Comparison

NCB Mobile vs ePAYMobile

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

Head to head
About

NCB Mobile

Manage your banking from anywhere with this app. Check balances, transfer funds, pay bills, and manage credit cards. Access account details and receive loan offers conveniently.

Highlights
  • Check account balances
  • Transfer funds
  • Pay bills
  • Manage credit cards
  • Add beneficiaries
  • View currency conversion
  • Receive loan offers
Features
Read full description

Bypass the lines and hours of waiting. Complete your routine banking transactions from anywhere in the world, any time you please with the bank that’s in your hands! The NCB Mobile App makes it easy to: - Check account balances • View your Saving, Chequing, Loan, Deposit or Investment account (accounts must already be enabled on the web) • View the last 20 Transactions - Transfer funds • Between own accounts • To third-party NCB accounts • To third-party non-NCB accounts - Pay bills including credit cards - Add beneficiaries and payee - Manage Credit Cards • View available and current balances • View minimum balance and payment due date (to avoid those late charges) • View Statement date and balances • Credit Card Limit - Send feedback and report issues in real time - View conversion between Jamaican and Foreign exchange currencies - View and receive loan offers. It’s sleek, intuitive and easy to use but don’t just take our word for it, try it out for yourself! Disclosure: 1. The NCB Mobile App is currently only available to customers who: • Have an active NCB Online profile • Are RSA token enabled 2. Users must allow location and other permissions for security purposes, or forfeit their ability to use the app.

About

ePAYMobile

Manage your finances by checking balances, viewing transactions, and locking cards. Transfer funds between accounts, pay bills, order meals, and purchase phone credit directly from the app.

Highlights
  • Account balance checks
  • Transaction history
  • Card locking
  • Inter-account transfers
  • Bill payments
  • Meal ordering
  • Phone credit top-ups
Features
Read full description

[+] Manage Your Accounts *Check your available balance. *View your transactions. *Lock Your Card with the press of a button. [+] Transfers *Transfer to other ePay Cards. *Transfer to Bank Accounts. [+] Payments *Pay your utility bills quickly and easily. [+] Order Meals *Hungry? Order restaurant food easily and it is delivered to you. [+] Phone Credit *Running low on phone credit, purchase credit immediately from the app.

Screenshots

NCB Mobile4 screens
ePAYMobile4 screens

Verdict

The call

The clearest difference is rating: NCB Mobile at 4.7 against ePAYMobile's 4.3. NCB Mobile also leads on ratings volume (16K vs 6) and iOS requirement (12.4 vs 15.6). ePAYMobile's advantage is review sentiment (100% vs 79%). 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

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

NCB Mobile holds the better App Store score, 4.7 against 4.3. That said, the two scores are not equally well evidenced: NCB Mobile has 16K ratings behind it against 6, so its average is the more settled of the two. Written reviews complicate that: 79% of NCB Mobile's written reviews are positive against 100% of ePAYMobile's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

NCB Mobile ships an update every 6 weeks, ePAYMobile every 2 months. The most recent releases landed on September 25, 2026 and July 7, 2026 respectively.

Scorecard4 real differences · 6 level
NCB Mobile versus ePAYMobile: the parameters behind the verdict, then further details
ParameterNCB MobileePAYMobile
PriceFreeFree
Rating4.7 (16K ratings) — better4.3 (6 ratings)
Positive reviews79.2% of reviews100.0% of reviews — better
Number of ratings16K — better6
Update frequencyEvery 6 weeks — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS12.4 — better15.6
Further details — not scored
Size34 MB32 MB
Age rating4+4+
DeveloperNational Commercial Bank Jamaica LimitedAlliance Payment Services Limited TA EPAY

Customer experience

NCB Mobile

All ratings14,279 ratings
Positive94.1%
Neutral4.0%
Negative1.9%
Written reviews192 reviews
Positive79.2%
Neutral6.8%
Negative14.1%

ePAYMobile

All ratings6 ratings
Positive83.3%
Neutral0.0%
Negative16.7%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

NCB Mobile

Reported bugs

5 issues
  • Login issues due to password problems
  • Transfers failing unexpectedly
  • Inability to see transaction details
  • App crashing or freezing
  • Compatibility issues with jailbroken devices

Requested features

7 requests
  • Mobile top-up feature
  • Ability to pay credit cards from other banks
  • Cheque deposit via mobile
  • Notifications for account activities
  • Touch ID/Face ID login
Show 2 more
  • Ability to lock/freeze debit cards
  • Future-dated transfers

ePAYMobile

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

NCB Mobile

No in-app purchases

None

ePAYMobile

No in-app purchases

Questions

Is NCB Mobile free?
NCB Mobile is free to download, with no in-app purchases.
Is ePAYMobile free?
ePAYMobile is free to download, with no in-app purchases.
Which has better reviews, NCB Mobile or ePAYMobile?
NCB Mobile is rated higher. NCB Mobile averages 4.7 out of 5 from 16K ratings, while ePAYMobile averages 4.3 from 6 ratings.
Do NCB Mobile or ePAYMobile have ads?
Neither NCB Mobile nor ePAYMobile shows ads.
Which is updated more often, NCB Mobile or ePAYMobile?
NCB Mobile ships an update every 6 weeks, and ePAYMobile every 2 months. Most recently, NCB Mobile was updated on September 25, 2026 and ePAYMobile on July 7, 2026.

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