CalBank App vs NIB Mobile
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
CalBank App
This app provides a secure online payment gateway for individuals and businesses to make and accept payments using various cards and mobile wallets. It offers a user-friendly interface for managing accounts, paying bills, and accessing banking services on the go.
- Online payment gateway
- Account transfers (intra, inter, inter-bank)
- Bill and data payments
- Airtime top-up
- QR code payments
- Account opening and management
- Transaction history and statements
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CalBank App/CalPay is a secured online payment gateway that will enable individuals and corporate clients such as Hotels, Airlines, Educational Institutions & Professional Bodies, Online Retail Outlets, Churches, Insurance companies, etc. to make or accept payments online from the comfort of their homes or offices using a Visa, MasterCard, gh-link card or a mobile wallet.This simplified, trendy and user friendly application, provides a convenient way for all customers to easily access CalBank and any other services on the go. It is a free business application available to everyone. KEY FEATURES: 1. CalBank Intra Account Transfers 2. CalBank Inter Account Transfers 3. Inter Bank Transfers (ACH) 4. Instant Transfer (GIP) 5. CalBank Account transfer to own MTN Wallet(PULL) 6. CalBank Account transfer to any MTN Wallet(PULL) 7. MTN Wallet To CalBank Account(PUSH) 8. Instant Bank Mini Statement 9. Buy Airtime (MTN, AIRTEL, TIGO, VODAFONE, GLO, EXPRESSO) 10. Pay Bills (DSTV, DSTV BOX OFFICE, GOTV, TV LICENCE, GHANA WATER, ECG GHANA) 11. Buy Internet Data (SURFLINE, SURFLINE PLUS, BUSY4G, VODAFONE BROADBAND) 12. Pay School Fees 13. Pay Any Merchant 14. Scan and Pay With MVISA QR Code 15. Scan and Pay with CalPay QR Code 16. Open Instant CalBank account (CalPay Snap Account) 17. Instant Free E-Alert subscription on any CalBank Account 18. Instant E-statement subscription on any CalBank Account 19. Instant Cheque Book Request 18. Instant Stop Cheque Request 19. Access to virtual shops . Browse our e-shops on our app or web, make orders, pay and get services delivered. 21. Support and Enquiry 21.Contact Center (Toll Free) 22.FAQs 23.ATM Locator 24. Branch Locator 25. POS Locator 26 Agency Banking Locator 27. Real-time transaction history 28.Dashboard for easy navigation 29.Link any VISA OR MASTERCARD, MTN mobile money number and CalBank accounts 30.Instant CalPay E-wallet (Topup from Visa, Mastercard, mtn mobile money) for easy transaction 31. Support for offline based transactions with your CalPay Wallet 32.Link CalBank foreign currency accounts USD, EUR and GDP 33.Auto login configuration under login settings (Enable /Disable) 34.MTN momo to any CalBank account funds transfer 35.CalPay Wallet to another CalPay wallet funds transfer 36.Block / UnBlock Card 37.Amend Card limit 38. Real-time CalBank account balance 39. View Last 10 real-time current transactions 40. Full Open Payments
NIB Mobile
Manage your finances on the go with this mobile banking application. Transfer funds, pay bills, and purchase airtime and data bundles directly from your device. New users can also open an account.
- Money transfers
- Bill payments
- Airtime and data top-ups
- Account opening for non-customers
- Mobile banking management
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NIB Mobile App is a breath of fresh air in Mobile Banking. As a customer of NIB, you can now transfer money, pay your bills, buy airtime and data bundles right from your favourite device. Many more exciting features await you as a customer of NIB. For non-customers, you're welcome! Download NIB Mobile and Open An Account today! NIB Mobile...Offering Endless Possibilities.
Screenshots
Verdict
The clearest difference is update cadence: NIB Mobile at weekly against CalBank App's every 6 weeks. NIB Mobile also leads on rating (3.7 vs 3.4) and review sentiment (33% vs 22%). CalBank App's advantage is ratings volume (161 vs 15). 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.
NIB Mobile holds the better App Store score, 3.7 against 3.4. That said, the two scores are not equally well evidenced: CalBank App has 161 ratings behind it against 15, so its average is the more settled of the two. Written reviews point the same way: 22% of CalBank App's written reviews are positive against 33% of NIB Mobile's.
CalBank App ships an update every 6 weeks, NIB Mobile weekly. The most recent releases landed on November 7, 2026 and November 3, 2026 respectively.
| Parameter | CalBank App | NIB Mobile |
|---|---|---|
| Price | Free | Free |
| Rating | 3.4 (161 ratings) | 3.7 (15 ratings) — better |
| Positive reviews | 21.7% of reviews | 33.3% of reviews — better |
| Number of ratings | 161 — better | 15 |
| Update frequency | Every 6 weeks | Weekly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 15.0 — better | 16.6 |
| Further details — not scored | ||
| Size | 67 MB | 110 MB |
| Age rating | 4+ | 4+ |
| Developer | Cal Bank Ltd. (Head Office) | National Investment Bank Limited |
Customer experience
CalBank App
NIB Mobile
Bugs and requests
CalBank App
Reported bugs
15 issues- App crashes on launch
- App crashes after iOS updates
- OTP not received or delayed
- Transactions go missing
- Authentication failures during login
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- Stuck on success animation page after transfer
- Back button unreachable on success page
- Receipt not loading
- Cannot add MOMO number
- Maximum MOMO account exceeded error
- Cannot withdraw deposited funds
- Cannot process requests to add account again
- Cannot select investment tenor
- App not launching or closing immediately
- Login attempts reset PIN repeatedly
Requested features
9 requests- Allow weekend transactions
- Enable Airtime purchase via App
- Add description/reference for Momo to account transactions
- Incorporate Face ID or fingerprint lock
- Allow OTP via email as a backup
Show 4 moreShow fewer
- Improve UI/UX, especially after updates
- Fix issues with adding MOMO accounts
- Allow investment top-ups and tenure selection
- Fix issues with generating statements
NIB Mobile
Not enough reviews yet to summarise bugs or requests.
In-app purchases
CalBank App
No in-app purchases
NIB Mobile
No in-app purchases
Questions
Is CalBank App free?
Is NIB Mobile free?
Which has better reviews, CalBank App or NIB Mobile?
Do CalBank App or NIB Mobile have ads?
Which is updated more often, CalBank App or NIB Mobile?
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