Comparison

ARM Engage vs GAPS

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

ARM Engage

Access your retirement savings account information in real-time. This app provides details on your balance, investments, transactions, and allows for micro-pension payments. It also offers helpful resources for retirement planning.

Highlights
  • Real-time RSA balance access
  • Real-time investment information
  • RSA statement generation
  • Membership certificate generation
  • View recent transactions
  • Micro Pension payments
Features
Read full description

ARM Engage is an easy to use application from ARM Pension designed to give clients quick access to their Retirement Savings Account information as well as provide useful information to help with retirement planning. Key Features: - Real-time access to Retirement Savings Account (RSA) balance information - Real-time access to ARM Investment information - Generation of Retirement Savings Account (RSA) statements - Generation of Membership Certificate - View of recent transactions on Retirement Savings Account (RSA) - Micro Pension Payment for Micro Pension Clients - Multi-Logon Options - Enhanced User Experience

About

GAPS

Manage your business finances on the go with real-time balance checks, transfers, bill payments, and check deposits. This secure platform offers 2-factor authentication for convenient and confident banking anytime, anywhere.

Highlights
  • Real-time balance checks
  • Inter-account transfers
  • Bill payments
  • Check deposits
  • Foreign currency transfers
  • Business loan applications
  • 2-factor authentication
Features
Read full description

Manage your business transactions anywhere, any time with the GAPS-Lite Mobile Banking App. You can check real-time balances, make transfers between your accounts, pay bills, approve bulk payment schedule, deposit checks and so much more on the app. It’s simple and convenient. Key features includes: --> Business on the go Log into your business account(s) anytime, anywhere, using only your password. --> Your Business finances, all in one place Check all your account balances, access business trends, perform foreign currency transfers, manage your cheques, apply for business loans, send account statements to your email or to an embassy of your choice, setup and manage standing orders, and more. --> Confidence in a secured platform Bank with confidence on the GAPS-Lite Mobile App with secured 2-factor authentication (2FA) system. --> Simple and secure set up - Install the app and enter your access code, username, and password. - Forgot your password? Reset it using “Forgot Password?” on the login page. - Choose your preferred verification method (Token or 4-digit PIN). - Start using the app immediately with your selected verification method. Enjoy a seamless and user-friendly interface designed to make your business banking convenient.

Screenshots

ARM Engage4 screens
GAPS4 screens

Verdict

The call

The clearest difference is rating: ARM Engage at 3.9 against GAPS's 1.7. ARM Engage also leads on review sentiment (40% vs 0%) and monetization model (free vs ad-supported). 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

ARM Engage holds the better App Store score, 3.9 against 1.7. Both are backed by a comparable volume of ratings — 41 and 31 respectively. Written reviews point the same way: 40% of ARM Engage's written reviews are positive against 0% of GAPS's.

UpkeepUpdate frequency

ARM Engage ships an update every 2 months, GAPS every 6 weeks. Both last shipped on November 3, 2026.

Scorecard4 real differences · 6 level
ARM Engage versus GAPS: the parameters behind the verdict, then further details
ParameterARM EngageGAPS
PriceFreeFree
Rating3.9 (41 ratings) — better1.7 (31 ratings)
Positive reviews40.0% of reviews — better0.0% of reviews
Number of ratings41 — better31
Update frequencyEvery 2 monthsEvery 6 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS11.0 — better13.0
Further details — not scored
Size201 MB67 MB
Age rating4+4+
DeveloperARM Pension Managers PFA LimitedGuaranty Trust Bank PLC

Customer experience

ARM Engage

All ratings38 ratings
Positive84.2%
Neutral0.0%
Negative15.8%
Written reviews10 reviews
Positive40.0%
Neutral0.0%
Negative60.0%

GAPS

All ratings30 ratings
Positive16.7%
Neutral3.3%
Negative80.0%
Written reviews11 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

ARM Engage

No in-app purchases

None

GAPS

No in-app purchases

Questions

Is ARM Engage free?
ARM Engage is free to download, with no in-app purchases.
Is GAPS free?
GAPS is free to download, with no in-app purchases.
Which has better reviews, ARM Engage or GAPS?
ARM Engage is rated higher. ARM Engage averages 3.9 out of 5 from 41 ratings, while GAPS averages 1.7 from 31 ratings.
Do ARM Engage or GAPS have ads?
Neither ARM Engage nor GAPS shows ads.
Which is updated more often, ARM Engage or GAPS?
ARM Engage ships an update every 2 months, and GAPS every 6 weeks. Most recently, ARM Engage was updated on November 3, 2026 and GAPS on November 3, 2026.

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