Nivo vs UTB Secure Chat Hub
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Nivo
Communicate securely with verified organizations like banks and lenders. Send messages, photos, videos, and files with confidence, knowing your conversations are encrypted and private. Complete transactions and share confidential information safely.
- Secure messaging
- Send/receive messages, photos, videos, files
- Verified organization identities
- Encrypted and private communication
- Confidential information sharing
- Transaction completion
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Nivo is a secure messaging app that lets you talk to organisations. With Nivo the secure messaging app you can send and receive messages, photos, videos and files to/from organisations like lenders, banks, building societies, credit unions and professional services firms. The identity of organisations on Nivo are verified so you can always be confident it’s definitely them you are messaging and not a fraudster. Because messages are encrypted and private you can send confidential information, ask any question and complete a range of transactions. Depending on which organisations you are messaging, their processes may require you to identify yourself the first time you use the app or if you change device or PIN. This could include being asked to scan an identity document and undertake a facial recognition check.
UTB Secure Chat Hub
Securely communicate with United Trust Bank. Upload files, e-sign documents, and perform facial recognition checks. Introducers can register, refer cases, and submit documentation.
- Secure communication
- File uploads
- E-signature
- Facial recognition ID scan
- Case referral
- Document submission
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The UTB Secure Chat Hub is your safe and simple gateway for communicating with United Trust Bank. Customers can easily upload files, e-sign documentation and scan ID for facial recognition checks and Introducers can register, refer cases and forward documentation securely.
Screenshots
Verdict
The clearest difference is update cadence: Nivo at every 2 weeks against UTB Secure Chat Hub's every 2 months. On price, review sentiment, 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.
Nivo ships an update every 2 weeks, UTB Secure Chat Hub every 2 months. The most recent releases landed on November 6, 2026 and November 3, 2026 respectively.
| Parameter | Nivo | UTB Secure Chat Hub |
|---|---|---|
| Price | Free | Free |
| Rating | 2.3 (3 ratings) — better | — |
| Positive reviews | 95.3% of reviews | 100.0% of reviews — better |
| Number of ratings | 3 — better | — |
| Update frequency | Every 2 weeks — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad — better | iPhone |
| Requires iOS | 16.6 | 16.6 |
| Further details — not scored | ||
| Size | 51 MB | 50 MB |
| Age rating | 4+ | 4+ |
| Developer | Nivo Solutions Limited | United Trust Bank Ltd |
Customer experience
Nivo
UTB Secure Chat Hub
In-app purchases
Nivo
No in-app purchases
UTB Secure Chat Hub
No in-app purchases
