# Rubies vs Dot Personal Banking App

The clearest difference is rating: Rubies at 4.7 against Dot Personal Banking App's 3.8. Rubies also leads on review sentiment (76% vs 40%) and ratings volume (521 vs 16). On price, ads, in-app purchases and monetization model 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 3.8. That said, the two scores are not equally well evidenced: Rubies has 521 ratings behind it against 16, so its average is the more settled of the two. Written reviews point the same way: 76% of Rubies's written reviews are positive against 40% of Dot Personal Banking App's.

Rubies ships an update fortnightly, Dot Personal Banking App every 5 weeks. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | Rubies | Dot Personal Banking App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (521 ratings)](https://appshunter.io/ios/app/rubies/id1458430556/reviews)** | [3.8 (16 ratings)](https://appshunter.io/ios/app/dot-personal-banking-app/id1605176010/reviews) |
| Number of ratings | **521** | 16 |
| Positive reviews | **75.8% of reviews** | 40.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 5 weeks |
| Monetization | Free | Free |
| Size | 96 MB | 176 MB |
| Requires iOS | **15.1** | 16.4 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [RUBIES MICROFINANCE BANK LIMITED](https://appshunter.io/developer/1458430315) | [Dot Microfinance Bank Limited](https://appshunter.io/developer/1605176012) |

## 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


### Dot Personal Banking App

[App page](https://appshunter.io/ios/app/dot-personal-banking-app/id1605176010)

Manage your finances easily with this app, offering quick account setup, bill payments, and money transfers. It provides a reliable debit card and secure access to your funds on the go. The service is fully licensed and insured for peace of mind.

**Highlights:** Quick account setup, Send and receive money, Pay bills and airtime, Reliable debit card management, Bank network monitor, Schedule transfers, Secure access with private mode

**In-app purchases:** none


## Frequently asked questions

### Is Rubies free?

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

### Is Dot Personal Banking App free?

Dot Personal Banking App is free to download, with no in-app purchases.

### Which has better reviews, Rubies or Dot Personal Banking App?

Rubies is rated higher. Rubies averages 4.7 out of 5 from 521 ratings, while Dot Personal Banking App averages 3.8 from 16 ratings.

### Do Rubies or Dot Personal Banking App have ads?

Neither Rubies nor Dot Personal Banking App shows ads.

### Which is updated more often, Rubies or Dot Personal Banking App?

Rubies ships an update fortnightly, and Dot Personal Banking App every 5 weeks. Most recently, Rubies was updated on November 2, 2026 and Dot Personal Banking App 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.*