AMIO Mobile vs acba digital
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
AMIO Mobile
Manage your banking needs entirely from your smartphone. Open accounts, apply for loans, make payments, and exchange currency with a secure and user-friendly interface. Access all AMIO Bank services conveniently, anytime, anywhere, without needing to visit a branch.
- Open accounts online
- Manage cards and deposits
- Apply for loans
- Make domestic and international transfers
- Pay bills and loans
- Exchange currency
- Order plastic cards
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Your Bank, Simplified AMIO Mobile is a secure and intuitive mobile banking app that puts your finances fully under your control — anytime, anywhere. Open accounts, manage cards, make payments, and apply for banking products directly from your phone. No branches. No paperwork. Just banking that works around your life. Register online and access AMIO Bank services wherever you are, whenever you need them. · Open & Apply — Fully Online · Open a current account · Open and manage deposits · Purchase AMIO Bank bonds · Open a digital card · Apply for loans online · Order plastic card delivery · Request income declarations and references · And more Pay, Transfer & Exchange · Transfers within Armenia and internationally · ArCaPay transfers · Budget and utility payments · Loan repayments (including loans from other banks) · Deposit top-ups · Fast and convenient currency exchange · And more everyday payments
acba digital
Manage your finances remotely with this secure mobile banking app. Perform transactions, pay bills, apply for new products, and access digital cards. Enjoy fast and convenient banking from anywhere.
- Online onboarding and registration
- Biometric login (fingerprint/facial recognition)
- Account balance and transaction viewing
- Money transfers and bill payments
- Loan, savings, and card applications
- Digital card issuance and payments
- Investment and insurance purchases
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acba digital is the mobile banking application of Acba bank OJSC. It is a secure and convenient tool for everyday remote banking. The brand new app was designed and created to make your banking simple and fast. You just need to download the app, become a user via online registration and gain the benefits of the provided services. acba digital allows you to manage your finances whenever and wherever it is convenient for you. The application will give you access to the following features: • Become a customer via online onboarding process (some services are limited) • Get access to your banking products via online registration process • Log on quickly and securely with your fingerprint or facial recognition • Check your account balances and pending payments • View individual transaction details • Transfer money between accounts, and make transfer within Republic of Armenia • Pay utility bills and make utility payment groups • Pay Road Police fines, property taxes, parking bills and much more • Pay your loan or credit card bill • Apply for loans, savings, cards and more • Block card transactions, close cards, activate SMS service and more • Reset your password • Update your contact details • Get Visa digital card in your application and make payments via Apple Pay/Google Pay • Make card to card transfers within Armenia and worldwide • Order Bank to make periodic transfers and payments instead of you • Track your pension program balance anytime • Purchase car, travel and other insurances • Invest your money buying securities • Send or receive money via Contact, QR and Link and ATM • And much more KEEPING YOU SAFE ONLINE We use the latest online security measures to protect your money, your personal information and your privacy. acba digital is protected by Thales Gemalto Mobile Protector SDK. Gemalto Mobile Protector makes wise and privacy-friendly use of biometrics: no biometric data is stored in data centers or servers. It all stays within the user's mobile securely. Gemalto Mobile Protector integrates a combination of proven security mechanisms – such as code obfuscation, encryption, key protection mechanisms with appropriate key management, device binding, and root and jailbreaking detection. This solution helps to comply with the requirements of the revised PSD2's Regulatory Technical Standard (RTS). https://www.thalesgroup.com/en/markets/digital-identity-and-security/banking-payment/digital-banking/sdk/mobile-protector CONTACTING YOU We won't contact you any more than normal if you use the app. But please stay alert to email, text messages or phone calls that appear to be from us. Criminals may try to trick you into giving them sensitive personal or account information. We'll never contact you to ask for these details. Any emails from us will always greet you personally using your title and surname. Any text messages we send you will come from Acba bank.
Screenshots
Verdict
The clearest difference is review sentiment: acba digital at 45% against AMIO Mobile's 20%. acba digital also leads on update cadence (fortnightly vs every 2 months) and rating (4.3 vs 4.1). On price, ads, in-app purchases and monetization model there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
acba digital holds the better App Store score, 4.3 against 4.1. Both are backed by a comparable volume of ratings — 16 and 61 respectively. Written reviews point the same way: 20% of AMIO Mobile's written reviews are positive against 45% of acba digital's.
AMIO Mobile ships an update every 2 months, acba digital fortnightly. The most recent releases landed on September 19, 2026 and September 21, 2026 respectively.
| Parameter | AMIO Mobile | acba digital |
|---|---|---|
| Price | Free | Free |
| Rating | 4.1 (16 ratings) | 4.3 (61 ratings) — better |
| Positive reviews | 20.0% of reviews | 45.0% of reviews — better |
| Number of ratings | 16 | 61 — better |
| Update frequency | Every 2 months | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPod |
| Requires iOS | 16.6 | 15.0 — better |
| Further details — not scored | ||
| Size | 120 MB | 191 MB |
| Age rating | 17+ | 4+ |
| Developer | AMIO BANK, CJSC | ACBA BANK OJSC |
Customer experience
AMIO Mobile
acba digital
In-app purchases
AMIO Mobile
No in-app purchases
acba digital
No in-app purchases







