# NBF Direct App vs Pemo

The clearest difference is rating: NBF Direct App at 4.4 against Pemo's 3.6. NBF Direct App also leads on review sentiment (29% vs 0%) and ratings volume (141 vs 5). Pemo's advantage is update cadence (weekly vs monthly). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

NBF Direct App holds the better App Store score, 4.4 against 3.6. That said, the two scores are not equally well evidenced: NBF Direct App has 141 ratings behind it against 5, so its average is the more settled of the two. Written reviews point the same way: 29% of NBF Direct App's written reviews are positive against 0% of Pemo's.

NBF Direct App ships an update monthly, Pemo weekly. The most recent releases landed on October 14, 2026 and October 4, 2026 respectively.

## The numbers

| Metric | NBF Direct App | Pemo |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.4 (141 ratings)](https://appshunter.io/ios/app/nbf-direct-app/id1083443149/reviews)** | [3.6 (5 ratings)](https://appshunter.io/ios/app/pemo/id1620870062/reviews) |
| Number of ratings | **141** | 5 |
| Positive reviews | **28.6% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Weekly** |
| Monetization | Free | Free |
| Size | 278 MB | 169 MB |
| Requires iOS | **15.6** | 16.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [National Bank Of Fujairah](https://appshunter.io/developer/977924996) | [Payables Technology LTD](https://appshunter.io/developer/1620870064) |

## What reviewers say

### NBF Direct App

[App page](https://appshunter.io/ios/app/nbf-direct-app/id1083443149)

Manage your finances on the go with this mobile banking solution. Easily check balances, pay bills, transfer funds securely, and manage your cards and beneficiaries. Features include password-less access and loan deferment requests.

**Highlights:** Enhanced dashboard for account overview, Password-less biometric login, Secure funds transfers (domestic & international), Utility bill payments, Credit card management and spending tracking, Beneficiary management, Loan deferment requests

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


### Pemo

[App page](https://appshunter.io/ios/app/pemo/id1620870062)

This platform streamlines business finances by consolidating invoices, expenses, and approvals. It offers smart corporate cards, automated workflows, and real-time reporting to save time and money.

**Highlights:** Invoice management, Expense tracking, Smart corporate cards, Automated approval flows, Direct accounting integration, Real-time reporting

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is NBF Direct App free?

NBF Direct App is free to download, with no in-app purchases.

### Is Pemo free?

Pemo is free to download, with no in-app purchases.

### Which has better reviews, NBF Direct App or Pemo?

NBF Direct App is rated higher. NBF Direct App averages 4.4 out of 5 from 141 ratings, while Pemo averages 3.6 from 5 ratings.

### Do NBF Direct App or Pemo have ads?

Neither NBF Direct App nor Pemo shows ads.

### Which is updated more often, NBF Direct App or Pemo?

NBF Direct App ships an update monthly, and Pemo weekly. Most recently, NBF Direct App was updated on October 14, 2026 and Pemo on October 4, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*