Rubies vs V by VFD
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Rubies
This app facilitates financial conversations and transactions between individuals and businesses globally. It integrates payments, banking, and lending into a messaging-like interface.
- Financial conversations
- Global payments
- Banking services
- Lending features
- Messaging interface
Read full descriptionHide full description
Rubies is curated to power financial conversations between friends and brands across geographies. Payments, Banking and Lending in the way you send and receive messages.
V by VFD
This digital banking app offers 24/7 access to banking, lifestyle, and investment features. It simplifies financial management with tools for budgeting, account management, and instant transactions. Enjoy easy account opening, card management, and investment opportunities with high returns.
- Easy account opening
- Instant transactions and bills payment
- High-rate investments
- Budgeting and account management
- Card management
- Savings plans
- 24/7 live chat support
Read full descriptionHide full description
V Bank is your all-in-one digital banking app that gives you unrestricted access to banking, lifestyle and investments features 24/7. Say bye to stressful paperwork and hello to convenience. Key Features: Easy account opening Instant transactions and bills payment Investments at with high rates and great returns Budgeting and account management tools Cards and card management Create savings plans and invite friends 24/7 support through live chat
Screenshots
Verdict
The clearest difference is rating: Rubies at 4.7 against V by VFD's 4.2. Rubies also leads on review sentiment (76% vs 64%). On price, ratings volume, update cadence and ads 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Rubies holds the better App Store score, 4.7 against 4.2. Both are backed by a comparable volume of ratings — 521 and 959 respectively. Written reviews point the same way: 76% of Rubies's written reviews are positive against 64% of V by VFD's.
Rubies ships an update fortnightly, V by VFD every 8 days. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.
| Parameter | Rubies | V by VFD |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (521 ratings) — better | 4.2 (959 ratings) |
| Positive reviews | 75.8% of reviews — better | 64.1% of reviews |
| Number of ratings | 521 | 959 — better |
| Update frequency | Fortnightly | Every 8 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.1 | 15.0 — better |
| Further details — not scored | ||
| Size | 96 MB | 106 MB |
| Age rating | 4+ | 4+ |
| Developer | RUBIES MICROFINANCE BANK LIMITED | Savi.ng |
Customer experience
Rubies
V by VFD
User reviews
Rubies
From 521 App Store ratingsWhat we love
- 👍 User-friendly
- 🚀 Fast and efficient
- 💳 Flexible banking features
- 🥰 Excellent customer service
- 🤩 Innovative app design
Room to improve
- 🐛 Occasional app crashes
- 💰 Unreasonable charges
- ⏱️ Slow app performance
- 🤔 Unresponsive customer support
- 🚫 Difficulty with KYC verification
V by VFD
From 959 App Store ratingsWhat we love
- 🚀 Instant transactions
- 🔒 Secure banking
- 👍 User-friendly interface
- 💡 Innovative features
- 🤩 Excellent customer service
Room to improve
- 🐛 App crashes and bugs
- ⚠️ Network/connectivity issues
- 💰 Unauthorized account deductions
- 🕰️ Slow response times
Bugs and requests
Rubies
Reported bugs
5 issues- Insufficient funds error despite adequate balance
- Login screen freezes
- Incompatibility with older devices
- Inability to add BVN
- OTP not being sent for password reset
Requested features
5 requests- Improve chat feature functionality
- Expand availability to non-Nigerian users
- Add dark mode option
- Enhance in-app security measures
- Streamline debit card request process
V by VFD
Reported bugs
4 issues- Login screen freezes
- App not opening after updates
- Failed transactions not reversed
- Beneficiary management issues
Requested features
4 requests- Dark mode option
- Transaction history and receipts
- Improved account verification process
- Loan and investment features
In-app purchases
Rubies
No in-app purchases
V by VFD
No in-app purchases
