# SC Mobile Kenya vs HFCB

The clearest difference is review sentiment: SC Mobile Kenya at 44% against HFCB's 0%. SC Mobile Kenya also leads on rating (4.8 vs 2.6) and ratings volume (725 vs 10). HFCB's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, in-app purchases and device support there is nothing between them.

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

SC Mobile Kenya holds the better App Store score, 4.8 against 2.6. That said, the two scores are not equally well evidenced: SC Mobile Kenya has 725 ratings behind it against 10, so its average is the more settled of the two. Written reviews point the same way: 44% of SC Mobile Kenya's written reviews are positive against 0% of HFCB's.

SC Mobile Kenya ships an update every 6 weeks, HFCB every 2 weeks. The most recent releases landed on October 17, 2026 and September 26, 2026 respectively.

## The numbers

| Metric | SC Mobile Kenya | HFCB |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (725 ratings)](https://appshunter.io/ios/app/sc-mobile-kenya/id1114731584/reviews)** | [2.6 (10 ratings)](https://appshunter.io/ios/app/hfcb/id1373152794/reviews) |
| Number of ratings | **725** | 10 |
| Positive reviews | **44.1% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 6 weeks | **Every 2 weeks** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 154 MB | 127 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Standard Chartered Bank](https://appshunter.io/developer/367337301) | [HFC Limited](https://appshunter.io/developer/1373152793) |

## What reviewers say

### SC Mobile Kenya

[App page](https://appshunter.io/ios/app/sc-mobile-kenya/id1114731584)

Manage your finances and perform banking transactions from your mobile device. Open accounts, transfer funds, pay bills, and invest in wealth management products. Access over 70 banking services conveniently from anywhere.

**Highlights:** Open accounts in minutes, Save and resume applications, View and manage finances, Transfer funds locally and internationally, Pay utility bills and KRA taxes, Buy, sell, and track investment portfolios, Access insurance services

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

**In-app purchases:** none

**What reviewers like**

- 👍 Seamless and convenient user experience
- 📱 Access to all accounts at fingertips
- 🔒 Strong security and privacy features
- 💼 Wide range of transaction capabilities
- ⏰ Continuous app improvements over time

**What reviewers complain about**

- 🐛 Frequent app crashes and freezing
- ⏱️ Slow and clunky performance
- ❌ Unreliable login functionality
- 📬 OTP delivery delays and timeouts
- 📺 Intrusive advertisements cluttering interface

**Reported bugs**

- App crashes on startup or requires non-existent updates
- M-PESA payment failures
- Login errors occurring frequently
- Menu button inaccessible on iPhone 12 Pro, 13 Pro, and 14 Pro Max
- Joint account access not visible in mobile app

**Requested features**

- Credit card payment functionality on mobile app
- Ability to edit saved beneficiary details
- Copy-paste support in transfer reference field
- Better error messaging for transaction limits
- Touch ID/biometric authentication support


### HFCB

[App page](https://appshunter.io/ios/app/hfcb/id1373152794)

Manage your finances on the go with this banking app. It allows you to control your account, transfer funds, pay bills, and track expenses from anywhere. Experience a new way to handle your money anytime, anywhere.

**Highlights:** Account management, Cash transfers, Bill payments, Airtime purchases, Expense tracking, On-the-go access

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is SC Mobile Kenya free?

SC Mobile Kenya is free to download, with no in-app purchases.

### Is HFCB free?

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

### Which has better reviews, SC Mobile Kenya or HFCB?

SC Mobile Kenya is rated higher. SC Mobile Kenya averages 4.8 out of 5 from 725 ratings, while HFCB averages 2.6 from 10 ratings.

### Do SC Mobile Kenya or HFCB have ads?

SC Mobile Kenya shows ads; HFCB does not.

### Which is updated more often, SC Mobile Kenya or HFCB?

SC Mobile Kenya ships an update every 6 weeks, and HFCB every 2 weeks. Most recently, SC Mobile Kenya was updated on October 17, 2026 and HFCB on September 26, 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.*