Comparison

FCMB Mobile vs RizPay

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

RizPay

This platform simplifies bill payments in Nigeria, offering fast and secure transactions for airtime, data, cable TV, and electricity. It's designed for individuals and small businesses to manage essential payments efficiently and affordably.

Highlights
  • Airtime recharge
  • Data bundle purchases
  • Cable TV subscriptions
  • Electricity bill payments
  • Fast and secure transactions
  • Referral program for earnings
Features
Read full description

RizPay: Simplify Your Bill Payments RizPay is a reliable platform for fast, secure, and affordable bill payments in Nigeria. Tailored for individuals and small business owners, RizPay simplifies the management of essential payments. From airtime recharges to data bundles, cable TV subscriptions, and electricity bills, RizPay consolidates all your payment needs into one easy-to-use app. Why Choose RizPay? Recognizing the significance of dependable and cost-effective financial tools, we designed RizPay with the user in mind. Our goal is to enable Nigerians to effortlessly manage their bills, offering features that save both time and money. Core Features: Airtime Recharge: Instantly top up your phone for MTN, Glo, Airtel, and 9Mobile. Data Bundles: Access affordable data plans for personal or business use. Cable TV Subscriptions: Easily renew your DSTV, GOTV, and Startimes subscriptions. Electricity Payments: Settle bills for all Nigerian electricity distributors, including IKEDC, EKEDC, IBEDC, and others, at competitive rates. Fast Transactions: Complete payments in seconds with an intuitive interface designed for simplicity. Secure Platform: Enjoy peace of mind with advanced encryption that protects your data and transactions. Referral Program: Earn commissions when you invite friends to join RizPay and make their first payment. Coming Soon Features: RizPay is constantly evolving to bring you even more convenience. Here’s a glimpse of what’s on the horizon: Gamified Payments: Turn payments into fun challenges and earn rewards. Scheduled Transactions: To avoid service interruptions, set up recurring payments for airtime, data, or cable TV. Wallet Feature: Store funds securely in your RizPay wallet for faster transactions. Invoice Management: Track your bill history and download invoices directly from the app. Business Tools: Bulk payment options and analytics for small business owners. How RizPay Stands Out Lowest Transaction Fees: Save money with competitive rates on all payments. All-in-One Solution: Manage all your essential bills in one app. User-Friendly Design: Navigate easily whether you’re a tech-savvy user or new to digital payments. Comprehensive Coverage: Support for all major networks, TV providers, and electricity distribution companies across Nigeria. Join Thousands Simplifying Their Lives Discover why RizPay is Nigeria’s trusted choice for bill payments. Join thousands of satisfied users who are simplifying their lives with RizPay. Download now and take control of your bills today!

Screenshots

FCMB Mobile4 screens
RizPay4 screens

Verdict

The call

The clearest difference is review sentiment: RizPay at 100% against FCMB Mobile's 32%. RizPay also leads on rating (5.0 vs 3.4). FCMB Mobile's advantage is ratings volume (1.2K vs 2) and iOS requirement (12.0 vs 15.1). 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

RizPay holds the better App Store score, 5.0 against 3.4. That said, the two scores are not equally well evidenced: FCMB Mobile has 1.2K ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 32% of FCMB Mobile's written reviews are positive against 100% of RizPay's.

UpkeepUpdate frequency

FCMB Mobile ships an update every 3 weeks, RizPay fortnightly. The most recent releases landed on September 24, 2026 and September 9, 2026 respectively.

Scorecard4 real differences · 6 level
FCMB Mobile versus RizPay: the parameters behind the verdict, then further details
ParameterFCMB MobileRizPay
PriceFreeFree
Rating3.4 (1.2K ratings)5.0 (2 ratings) — better
Positive reviews32.4% of reviews100.0% of reviews — better
Number of ratings1.2K — better2
Update frequencyEvery 3 weeksFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS12.0 — better15.1
Further details — not scored
Size187 MB40 MB
Age rating4+4+
DeveloperFirst City Monument BankRIZPAY DIGITAL SOLUTIONS

Customer experience

FCMB Mobile

All ratings1,161 ratings
Positive55.3%
Neutral7.9%
Negative36.8%
Written reviews188 reviews
Positive32.4%
Neutral6.9%
Negative60.6%

RizPay

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

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

RizPay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

FCMB Mobile

No in-app purchases

None

RizPay

No in-app purchases

Questions

Is FCMB Mobile free?
FCMB Mobile is free to download, with no in-app purchases.
Is RizPay free?
RizPay is free to download, with no in-app purchases.
Which has better reviews, FCMB Mobile or RizPay?
RizPay is rated higher. FCMB Mobile averages 3.4 out of 5 from 1.2K ratings, while RizPay averages 5.0 from 2 ratings.
Do FCMB Mobile or RizPay have ads?
Neither FCMB Mobile nor RizPay shows ads.
Which is updated more often, FCMB Mobile or RizPay?
FCMB Mobile ships an update every 3 weeks, and RizPay fortnightly. Most recently, FCMB Mobile was updated on September 24, 2026 and RizPay on September 9, 2026.

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