Comparison

Capital Mobile+ vs PSB UnIC

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

Head to head
About

Capital Mobile+

Manage your finances on the go with instant transactions, fund transfers, and account management. Open new deposits, request cheque books, and add beneficiaries easily. Supports multiple login profiles for different customer IDs on a single device.

Highlights
  • Instant transactions
  • Fund transfer (Inter Bank, NEFT, RTGS, IMPS)
  • Deposit opening
  • Cheque book request
  • Statement of account
  • Beneficiary management
  • Multiple login profiles
Features
Read full description

Download Capital Mobile+ app to your smart phone to perform transactions instantly using your mobile handset. Pre requisite : 1.The user needs to know his Customer ID to register for the app. 2.If the user is not aware of the customer ID, the same can be found on the passbook, personalised cheque book or the user can contact the home branch to get the same. 3.The registered mobile number should be in SIM tray 1 and should be set default for sending SMS during registration. 4.Kindly read the FAQs available in Mobile App Login page for registration help Features include : 1.Fund Transfer (Inter Bank, NEFT, RTGS, IMPS) 2.Deposit Opening 3. Cheque Book Re quest 4.Statement of Account 5.Beneficiary Additions for Fund transfer 6.Multiple login Profiles for Different Customer IDs on the same handset

About

PSB UnIC

Manage your bank accounts, transfer funds, and invest in schemes. This app offers features like debit card management, cheque services, and instant payment options. Access exclusive banking services conveniently from your mobile device.

Highlights
  • Fund transfers (UPI, NEFT, RTGS, IMPS)
  • Account details and statement generation
  • Invest in term deposits and social security schemes
  • Debit card management and application
  • Cheque services and positive pay
  • Biometric and MPIN login
Features
Read full description

PSB UnIC mobile banking app is a one stop solution allowing you to send money, view account details, generate statement, invest in term deposits, manage debit card, cheque services and many other exclusive services at your fingertips. PSB UnIC App allows transferring funds within and outside bank account using UPI, NEFT, RTGS, IMPS. Below are some features of PSB UnIC App: • Single login for web and mobile app. Login using biometric OR MPIN option can be used for Psb UnIC App. • Instant self-accounts and within Bank transfer. • Instant Payment upto 10,000/- via UPI & IMPS without adding Payee. • Hassle free fund transfer from PSB to other bank accounts using various transfer modes such as: NEFT, IMPS, RTGS & UPI. • Pay EMI, Pay Advance EMI or Pay loan overdue amount instantly. • Invest in Social Security schemes – Atal Pension Yojana (APY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jiwan Jyoti Bima Yojana (PMJJBY). • Investing in Bank Deposits is easier than ever. Open and close an online Fixed Deposit or online Recurring Deposit instantly. • Debit card management- Manage your debit card limits and control the usage online. • Apply for a new card, Hotlist a card or upgrade your card online. • Request for a new Cheque book instantly. • Pre-Intimate the issuance of cheques using Positive Pay. • Stop a cheque, enquire inward and outward cheque status • Generate bank statement, TDS certificate, Balance certificate instantly. • Pay and collect money from anyone instantly using Unified Payment Interface (UPI Payments). UPI ID is your virtual identity for UPI payments. We assure to add more and more features in the PSB UnIC. Web version of PSB UnIC can be accessed through our official website: www.punjabandsindbank.co.in For any feedback, queries or issues pertaining to PSB UnIC application please write to omni_support@psb.co.in

Screenshots

Capital Mobile+4 screens
PSB UnIC4 screens

Verdict

The call

The clearest difference is rating: PSB UnIC at 4.8 against Capital Mobile+'s 3.0. PSB UnIC also leads on update cadence (monthly vs every 6 months). Capital Mobile+'s advantage is iOS requirement (13.0 vs 17.0). On price, ratings volume, 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

PSB UnIC holds the better App Store score, 4.8 against 3.0. Both are backed by a comparable volume of ratings — 2 and 4 respectively.

UpkeepUpdate frequency

Capital Mobile+ ships an update every 6 months, PSB UnIC monthly. The most recent releases landed on June 1, 2026 and September 21, 2026 respectively.

Scorecard3 real differences · 7 level
Capital Mobile+ versus PSB UnIC: the parameters behind the verdict, then further details
ParameterCapital Mobile+PSB UnIC
PriceFreeFree
Rating3.0 (2 ratings)4.8 (4 ratings) — better
Positive reviews—51.7% of reviews
Number of ratings24 — better
Update frequencyEvery 6 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPod — betteriPhone
Requires iOS13.0 — better17.0
Further details — not scored
Size20 MB196 MB
Age rating4+4+
DeveloperCapital Small Finance Bank LimitedPUNJAB AND SIND BANK

Customer experience

Capital Mobile+

All ratings2 ratings
Positive50.0%
Neutral0.0%
Negative50.0%

PSB UnIC

All ratings4 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews29 reviews
Positive51.7%
Neutral3.4%
Negative44.8%

In-app purchases

None

Capital Mobile+

No in-app purchases

None

PSB UnIC

No in-app purchases

Questions

Is Capital Mobile+ free?
Capital Mobile+ is free to download, with no in-app purchases.
Is PSB UnIC free?
PSB UnIC is free to download, with no in-app purchases.
Which has better reviews, Capital Mobile+ or PSB UnIC?
PSB UnIC is rated higher. Capital Mobile+ averages 3.0 out of 5 from 2 ratings, while PSB UnIC averages 4.8 from 4 ratings.
Do Capital Mobile+ or PSB UnIC have ads?
Neither Capital Mobile+ nor PSB UnIC shows ads.
Which is updated more often, Capital Mobile+ or PSB UnIC?
Capital Mobile+ ships an update every 6 months, and PSB UnIC monthly. Most recently, Capital Mobile+ was updated on June 1, 2026 and PSB UnIC on September 21, 2026.

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