# NCB Mobile vs ePAYMobile

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.

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

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.

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.

## The numbers

| Metric | NCB Mobile | ePAYMobile |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (16K ratings)](https://appshunter.io/ios/app/ncb-mobile/id1435405040/reviews)** | [4.3 (6 ratings)](https://appshunter.io/ios/app/epaymobile/id1484378736/reviews) |
| Number of ratings | **16K** | 6 |
| Positive reviews | 79.2% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 6 weeks** | Every 2 months |
| Monetization | Free | Free |
| Size | 34 MB | 32 MB |
| Requires iOS | **12.4** | 15.6 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [National Commercial Bank Jamaica Limited](https://appshunter.io/developer/1210195300) | [Alliance Payment Services Limited TA EPAY](https://appshunter.io/developer/1484378405) |

## What reviewers say

### NCB Mobile

[App page](https://appshunter.io/ios/app/ncb-mobile/id1435405040)

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:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly interface
- 🚀 Convenient and efficient
- 🔒 Secure banking experience
- 💡 Helpful features like bill payments and money transfers

**What reviewers complain about**

- 🐛 Occasional glitches and bugs
- 🔒 Security token issues
- 🔍 Unclear error messages
- 🤔 Limited functionality compared to online banking

**Reported bugs**

- 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**

- 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


### ePAYMobile

[App page](https://appshunter.io/ios/app/epaymobile/id1484378736)

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:** macOS Compatibility

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*