First Citizens vs Wam!
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
First Citizens
Manage your finances conveniently and securely from your mobile device. Check account balances, pay bills, transfer funds, and locate branches or ATMs. Requires prior online banking registration.
- View real-time account balances
- Pay utility bills and credit cards
- Transfer funds to other accounts
- Schedule payment transfers
- Locate branches and ATMs
- Access support portal
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EASY BANKING ON THE GO! Bank easier with the First Citizens Mobile app! Download the app today and enjoy the convenience of banking securely from your mobile device anytime, anywhere! Using the First Citizens Mobile App, you can: View real-time account balances, inclusive of your Credit Card balances and other recent transactions. Easily pay your utility bills and Credit Card Transfer funds to other First Citizens accounts and other banks Schedule payment transfers to First Citizens accounts and other banks Locate a First Citizens Branch or ATM nearest to you. Request assistance through our support portal To successfully enrol for the Mobile App, you must be registered for First Citizens Online Banking. If you do not have Online Banking and wish to register, visit our website at https://www.firstcitizensgroup.com/tt/online-banking-registration-3/ to sign-up.
Wam!
A mobile wallet designed for seamless transactions, allowing users to send and receive money quickly and securely. It supports various payment methods, including QR codes and usernames, and offers access to cash through a network of agents.
- Send money to friends
- Pay vendors
- Cash out via agents
- Accept small business payments
- Scan QR codes for payment
- Send funds by username
- Request payment via link
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Wam is your financial passport, made for how the Caribbean lives, moves, and pays. It's fast, secure, and easy to use, whether you're sending money to a friend, splitting the bill after a lime, paying a vendor, or running a small business. You don't need a bank to use Wam. Just a phone. Scan a QR code, send by username, or share a link to get paid. Hold your local dollars alongside US dollars, euros, and pounds. Receive money from anywhere in the world and move it to any bank account, at rates that reward you. Add money however it suits you: your debit card, cash with a nearby agent, a bank transfer, or a cash deposit at any bank branch. And when you're ready for more, there's a Visa card for spending worldwide and a simple and sa way in and out of crypto, all in one place.
Screenshots
Verdict
The clearest difference is review sentiment: Wam! at 100% against First Citizens's 17%. Wam! also leads on rating (5.0 vs 1.8) and update cadence (monthly vs every 7 months). First Citizens's advantage is ratings volume (43 vs 10) and iOS requirement (13.0 vs 15.1). On price, ads, in-app purchases and monetization model 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Wam! holds the better App Store score, 5.0 against 1.8. Both are backed by a comparable volume of ratings — 43 and 10 respectively. Written reviews point the same way: 17% of First Citizens's written reviews are positive against 100% of Wam!'s.
First Citizens ships an update every 7 months, Wam! monthly. The most recent releases landed on October 14, 2026 and October 9, 2026 respectively.
| Parameter | First Citizens | Wam! |
|---|---|---|
| Price | Free | Free |
| Rating | 1.8 (43 ratings) | 5.0 (10 ratings) — better |
| Positive reviews | 16.7% of reviews | 100.0% of reviews — better |
| Number of ratings | 43 — better | 10 |
| Update frequency | Every 7 months | Monthly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 13.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 30 MB | 137 MB |
| Age rating | 4+ | 4+ |
| Developer | FCIS | Wam Now, Inc. |
Customer experience
First Citizens
Wam!
In-app purchases
First Citizens
No in-app purchases
Wam!
No in-app purchases
