Comparison

FCMB Mobile vs Octa.

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

Head to head
About

FCMB Mobile

Manage personal and business finances conveniently and securely. This app offers real-time account and card management from anywhere, anytime, with a user-friendly interface.

Highlights
  • Personal finance management
  • Business finance management
  • Account management
  • Card management
  • Real-time transactions
  • Secure banking
Features
Read full description

The "FCMB" App is all you need for all your personal and business financial services. FCMB App is fast, convenient and very secure. It is also packed with simple to use features and an interesting layout for easy navigation. You can now manage your FCMB personal and business accounts as well as your cards in real-time, anywhere and anytime! For more enquiries and information you can caller contact centre on 01-2798800, 07003290000 or send email to customerservice@fcmb.com.

About

Octa.

Features
Read full description

Octa – Save and Invest Smartly Octa is a web and app-based savings and investment solution. Octa allows you automate your savings and investment towards a financially rewarding future. Octa guarantees you returns of up to 12% on savings and 18% on investments respectively. Welcome to smart savings. With Octa, you can: • Automate savings and investment Set up your automatic savings daily, weekly or monthly at schedules that fit your purse or lifestyle. • Invest in various instruments You don’t need millions to start investing. Invest in any investment instrument of your choice and get higher returns on investments at up to 18%. Available investment are always stated in the app. • Save towards one or multiple goals Octa makes financial goal setting simple by taking the stress of discipline and strictness off you. Octa is your best bet when you have multiple goals you want to achieve. • Save at your own terms: No lock, no frills Octa does not have a lock feature currently. We believe you should be free to determine what you want to do with your money and we also want to gain your trust. All withdrawals are at no charge. • Created with you in mind Octa is specifically designed for young and forward-thinking minds who are not afraid to explore new things. • Security We do not store your money or data. All transactions are done via a third-party payment gateway and your funds are managed by Page Financials, our parent company. Setting Up Octa Using Octa is easy and straight forward. • The first step after downloading is to register with your name, email and BVN connected phone number. • Next is to add a card from which you can then use to fund your savings or investment. • Then you can create a savings target or choose the investment option of your choice (when available). • Why BVN? BVN is a requirement by CBN as part of the KYC (Know Your Customer) process that helps us ensure no fraudulent practice occurs to your funds. Submitting your BVN is safe and secure as we’re safety conscious and regulated by relevant finance regulators. WITHDRAWALS AND CHARGES Octa does not charge deposit fees, SMS charges, monthly charge fees or withdrawal fees. You simply enjoy #ZeroCharge on any transaction on the app. New Offerings • At Octa, we are always innovating to find ways to deliver more value to you. We will notify you of any new offering via mail, our blog and social media channels. 24/7 Customer Support We can be reached via our contact us page. We look forward to delighting you. Reviews We value feedbacks in form of reviews, comments and ratings. Our goal is to create a product that meets your needs conveniently.

Screenshots

FCMB Mobile4 screens
Octa.4 screens

Verdict

The call

The clearest difference is iOS requirement: Octa. at 9.0 against FCMB Mobile's 15. 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.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 2 weeks. The most recent releases landed on October 27, 2026 and October 12, 2026 respectively.

Scorecard1 real difference · 9 level
FCMB Mobile versus Octa.: the parameters behind the verdict, then further details
ParameterFCMB MobileOcta.
PriceFreeFree
Rating3.4 (1.2K ratings) — better—
Positive reviews32.1% of reviews—
Number of ratings1.2K — better—
Update frequencyEvery 2 weeksEvery 2 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPod
Requires iOS159.0 — better
Further details — not scored
Size152 MB20 MB
Age rating4+4+
DeveloperFirst City Monument BankPage International Financial Company Limited

Bugs and requests

FCMB Mobile

Reported bugs

5 issues
  • Unable to login consistently
  • Transactions failing without explanation
  • Incorrect account balance display
  • Debit card issues and delays
  • Compatibility problems with newer devices

Requested features

5 requests
  • Add search functionality for banks
  • Implement dark mode option
  • Improve transaction history visibility
  • Enhance customer support channels
  • Streamline account management features

Octa.

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

FCMB Mobile

No in-app purchases

None

Octa.

No in-app purchases

Questions

Is FCMB Mobile free?
FCMB Mobile is free to download, with no in-app purchases.
Is Octa. free?
Octa. is free to download, with no in-app purchases.
Do FCMB Mobile or Octa. have ads?
Neither FCMB Mobile nor Octa. shows ads.
Which is updated more often, FCMB Mobile or Octa.?
FCMB Mobile ships an update every 2 weeks, and Octa. every 2 weeks. Most recently, FCMB Mobile was updated on October 27, 2026 and Octa. on October 12, 2026.

Other comparisons