Comparison

Ardshinbank vs acba digital

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Ardshinbank

Manage your finances securely and conveniently from anywhere. This app allows you to check balances, transfer funds, pay bills, and apply for loans with ease. Stay in control of your accounts through real-time notifications and efficient card management.

Highlights
  • Check account balances
  • Transfer money
  • Pay bills
  • Apply for loans
  • Real-time notifications
  • Card management
Features
Read full description

Ardshinbank brings secure, convenient banking to your fingertips. With the official mobile app, you can manage your finances quickly and confidently, wherever you are. Check balances, transfer money, pay bills, and apply for loans, all in just a few taps. Designed for simplicity and security, the app helps you stay in control of your accounts with real-time notifications, easy card management, and fast transactions. Whether you’re handling everyday payments or planning bigger financial steps, Ardshinbank makes managing your money smooth, reliable, and effortless.

About

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.

Highlights
  • 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
Features
Read full description

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

Ardshinbank4 screens
acba digital4 screens

Verdict

The call

The clearest difference is rating: acba digital at 4.3 against Ardshinbank's 3.2. acba digital also leads on review sentiment (45% vs 11%) and update cadence (fortnightly vs monthly). Ardshinbank's advantage is iOS requirement (13.0 vs 15.0). On price, ratings volume, ads and in-app purchases 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

acba digital holds the better App Store score, 4.3 against 3.2. Both are backed by a comparable volume of ratings — 45 and 61 respectively. Written reviews point the same way: 11% of Ardshinbank's written reviews are positive against 45% of acba digital's.

UpkeepUpdate frequency

Ardshinbank ships an update monthly, acba digital fortnightly. The most recent releases landed on September 22, 2026 and September 21, 2026 respectively.

Scorecard4 real differences · 6 level
Ardshinbank versus acba digital: the parameters behind the verdict, then further details
ParameterArdshinbankacba digital
PriceFreeFree
Rating3.2 (45 ratings)4.3 (61 ratings) — better
Positive reviews10.8% of reviews45.0% of reviews — better
Number of ratings4561 — better
Update frequencyMonthlyFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.0 — better15.0
Further details — not scored
Size78 MB191 MB
Age rating4+4+
DeveloperArdshinbank CJSCACBA BANK OJSC

Customer experience

Ardshinbank

All ratings45 ratings
Positive51.1%
Neutral6.7%
Negative42.2%
Written reviews65 reviews
Positive10.8%
Neutral15.4%
Negative73.8%

acba digital

All ratings61 ratings
Positive83.6%
Neutral1.6%
Negative14.8%
Written reviews40 reviews
Positive45.0%
Neutral12.5%
Negative42.5%

In-app purchases

None

Ardshinbank

No in-app purchases

None

acba digital

No in-app purchases

Questions

Is Ardshinbank free?
Ardshinbank is free to download, with no in-app purchases.
Is acba digital free?
acba digital is free to download, with no in-app purchases.
Which has better reviews, Ardshinbank or acba digital?
acba digital is rated higher. Ardshinbank averages 3.2 out of 5 from 45 ratings, while acba digital averages 4.3 from 61 ratings.
Do Ardshinbank or acba digital have ads?
Neither Ardshinbank nor acba digital shows ads.
Which is updated more often, Ardshinbank or acba digital?
Ardshinbank ships an update monthly, and acba digital fortnightly. Most recently, Ardshinbank was updated on September 22, 2026 and acba digital on September 21, 2026.

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