# Rubies vs V by VFD

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.

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.

## The numbers

| Metric | Rubies | V by VFD |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (521 ratings)](https://appshunter.io/ios/app/rubies/id1458430556/reviews)** | [4.2 (959 ratings)](https://appshunter.io/ios/app/v-by-vfd/id1462870303/reviews) |
| Number of ratings | 521 | **959** |
| Positive reviews | **75.8% of reviews** | 64.1% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Fortnightly | **Every 8 days** |
| Monetization | Free | Free |
| Size | 96 MB | 106 MB |
| Requires iOS | 15.1 | **15.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [RUBIES MICROFINANCE BANK LIMITED](https://appshunter.io/developer/1458430315) | [Savi.ng](https://appshunter.io/developer/1448200020) |

## What reviewers say

### Rubies

[App page](https://appshunter.io/ios/app/rubies/id1458430556)

This app facilitates financial conversations and transactions between individuals and businesses globally. It integrates payments, banking, and lending into a messaging-like interface.

**Highlights:** Financial conversations, Global payments, Banking services, Lending features, Messaging interface

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly
- 🚀 Fast and efficient
- 💳 Flexible banking features
- 🥰 Excellent customer service
- 🤩 Innovative app design

**What reviewers complain about**

- 🐛 Occasional app crashes
- 💰 Unreasonable charges
- ⏱️ Slow app performance
- 🤔 Unresponsive customer support
- 🚫 Difficulty with KYC verification

**Reported bugs**

- 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**

- 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

[App page](https://appshunter.io/ios/app/v-by-vfd/id1462870303)

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.

**Highlights:** Easy account opening, Instant transactions and bills payment, High-rate investments, Budgeting and account management, Card management, Savings plans, 24/7 live chat support

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Instant transactions
- 🔒 Secure banking
- 👍 User-friendly interface
- 💡 Innovative features
- 🤩 Excellent customer service

**What reviewers complain about**

- 🐛 App crashes and bugs
- ⚠️ Network/connectivity issues
- 💰 Unauthorized account deductions
- 🕰️ Slow response times

**Reported bugs**

- Login screen freezes
- App not opening after updates
- Failed transactions not reversed
- Beneficiary management issues

**Requested features**

- Dark mode option
- Transaction history and receipts
- Improved account verification process
- Loan and investment features


## Frequently asked questions

### Is Rubies free?

Rubies is free to download, with no in-app purchases.

### Is V by VFD free?

V by VFD is free to download, with no in-app purchases.

### Which has better reviews, Rubies or V by VFD?

Rubies is rated higher. Rubies averages 4.7 out of 5 from 521 ratings, while V by VFD averages 4.2 from 959 ratings.

### Do Rubies or V by VFD have ads?

Neither Rubies nor V by VFD shows ads.

### Which is updated more often, Rubies or V by VFD?

Rubies ships an update fortnightly, and V by VFD every 8 days. Most recently, Rubies was updated on November 2, 2026 and V by VFD on November 3, 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.*