UnionMobile vs ARM Toolkit
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
UnionMobile
Manage your finances on the go with a comprehensive banking app. Easily pay bills, transfer funds, buy airtime, and view transaction history. Enjoy convenient features like cardless ATM withdrawals and personalized profiles.
- Pay bills
- View account balances and history
- Transfer funds
- Buy airtime and data
- Cardless ATM withdrawal
- ATM and branch locator
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We’ve made banking simple so you can focus on what matters most to you. With new features and updates, you can: · Pay bills: DSTV, GOTV, LCC, PHCN etc. · View your account balances and transaction history · Transfer to Union Bank and other bank accounts · Buy airtime and data bundles · Get quick tips, updates on new features, and promotional offers. · Cardless Withdrawal: You or a beneficiary can make withdrawals from our ATMs without debit cards · Verify transactions via a self-selected PIN, an SMS token or a hardware token (obtained from any of our branches). Other features include: · ATM and Branch locator · News on the go · Instant account statement · Weather forecast · Manage and save beneficiaries · Personalized profiles: Upload your picture on your profile How to register: Existing UnionOnline users: · Download the app · Click on the “Log in” icon · Type in your UnionOnline username and password · Follow prompts and generate a transaction PIN Prospective users/ Existing UnionMobile users without UnionOnline. · Download the app · Click the “Get Started” icon · Follow prompts to complete registration
ARM Toolkit
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This app can be used for onboarding new accounts/profiles, track your arm features, create and log cases and get it attended to by one of our officers. You can now view the geolocation of our branches in different locations.
Screenshots
Verdict
The clearest difference is iOS requirement: ARM Toolkit at 11.0 against UnionMobile's 13.0. On price, update cadence, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on October 15, 2026 and October 5, 2026 respectively.
| Parameter | UnionMobile | ARM Toolkit |
|---|---|---|
| Price | Free | Free |
| Rating | 3.1 (663 ratings) — better | — |
| Positive reviews | 9.6% of reviews | — |
| Number of ratings | 663 — better | — |
| Update frequency | Every 2 months | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 | 11.0 — better |
| Further details — not scored | ||
| Size | 72 MB | 40 MB |
| Age rating | 4+ | 4+ |
| Developer | Union Bank of Nigeria Plc | ARM Pension Managers PFA Limited |
Bugs and requests
UnionMobile
Reported bugs
3 issues- Login failures and app freezes
- Delayed OTP delivery for transactions
- Inconsistent app behavior across devices
Requested features
3 requests- Improve biometric login functionality
- Allow hiding of account balance during transactions
- Streamline airtime purchase process
ARM Toolkit
Not enough reviews yet to summarise bugs or requests.
In-app purchases
UnionMobile
No in-app purchases
ARM Toolkit
No in-app purchases
Questions
Is UnionMobile free?
Is ARM Toolkit free?
Do UnionMobile or ARM Toolkit have ads?
Which is updated more often, UnionMobile or ARM Toolkit?
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