# Rubies vs CEMCS MFB

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.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

## The numbers

| Metric | Rubies | CEMCS MFB |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (522 ratings)](https://appshunter.io/ios/app/rubies/id1458430556/reviews)** | — |
| Number of ratings | **522** | — |
| Positive reviews | 75.8% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Fortnightly | — |
| Monetization | Free | — |
| Size | 96 MB | 26 MB |
| Requires iOS | 15.1 | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [RUBIES MICROFINANCE BANK LIMITED](https://appshunter.io/developer/1458430315) | [CEMCS Microfinance Bank](https://appshunter.io/developer/1465274177) |

## What reviewers say

### Rubies

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

Facilitates financial conversations between friends and brands globally. Send and receive payments, manage banking, and access lending services seamlessly within a messaging interface.

**Highlights:** Financial conversations, Cross-border payments, Banking services, Lending options, 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


### CEMCS MFB

[App page](https://appshunter.io/ios/app/cemcs-mfb/id6809208298)

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

**In-app purchases:** none


## Frequently asked questions

### Is Rubies free?

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

### Is CEMCS MFB free?

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

### Do Rubies or CEMCS MFB have ads?

Neither Rubies nor CEMCS MFB shows ads.

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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.*