Rubies vs CEMCS MFB
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Rubies
Facilitates financial conversations between friends and brands globally. Send and receive payments, manage banking, and access lending services seamlessly within a messaging interface.
- Financial conversations
- Cross-border payments
- Banking services
- Lending options
- Messaging interface
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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.
CEMCS MFB
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The **CEMCS MFB app** is an all in one secure and convenient digital banking solution designed to help both retail and corporate customers of the bank manage their finances anytime, anywhere. With the app, customers can securely access their accounts, monitor balances and transactions, transfer funds, manage payments, and stay up to date with their financial activities. Built with convenience, reliability, and security in mind, the CEMCS MFB App gives all customers greater control over their day-to-day banking and keeps them connected to their finances wherever they are.
Screenshots
Verdict
Rubies and CEMCS MFB are too close to call on the numbers: across 5 compared parameters — price, ads, in-app purchases and device support among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.
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.
| Parameter | Rubies | CEMCS MFB |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (522 ratings) — better | — |
| Positive reviews | 75.8% of reviews | — |
| Number of ratings | 522 — better | — |
| Update frequency | Fortnightly | — |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.1 | 15.1 |
| Further details — not scored | ||
| Size | 96 MB | 26 MB |
| Age rating | 4+ | 4+ |
| Developer | RUBIES MICROFINANCE BANK LIMITED | CEMCS Microfinance Bank |
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
CEMCS MFB
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Rubies
No in-app purchases
CEMCS MFB
No in-app purchases
