Comparison

acba digital vs AraratMobile

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

Head to head
About

acba digital

Manage your finances remotely with this secure mobile banking app. Perform transactions, pay bills, apply for new products, and access digital cards. Enjoy fast and convenient banking from anywhere.

Highlights
  • Online onboarding and registration
  • Biometric login (fingerprint/facial recognition)
  • Account balance and transaction viewing
  • Money transfers and bill payments
  • Loan, savings, and card applications
  • Digital card issuance and payments
  • Investment and insurance purchases
Features
Read full description

acba digital is the mobile banking application of Acba bank OJSC. It is a secure and convenient tool for everyday remote banking. The brand new app was designed and created to make your banking simple and fast. You just need to download the app, become a user via online registration and gain the benefits of the provided services. acba digital allows you to manage your finances whenever and wherever it is convenient for you. The application will give you access to the following features: • Become a customer via online onboarding process (some services are limited) • Get access to your banking products via online registration process • Log on quickly and securely with your fingerprint or facial recognition • Check your account balances and pending payments • View individual transaction details • Transfer money between accounts, and make transfer within Republic of Armenia • Pay utility bills and make utility payment groups • Pay Road Police fines, property taxes, parking bills and much more • Pay your loan or credit card bill • Apply for loans, savings, cards and more • Block card transactions, close cards, activate SMS service and more • Reset your password • Update your contact details • Get Visa digital card in your application and make payments via Apple Pay/Google Pay • Make card to card transfers within Armenia and worldwide • Order Bank to make periodic transfers and payments instead of you • Track your pension program balance anytime • Purchase car, travel and other insurances • Invest your money buying securities • Send or receive money via Contact, QR and Link and ATM • And much more KEEPING YOU SAFE ONLINE We use the latest online security measures to protect your money, your personal information and your privacy. acba digital is protected by Thales Gemalto Mobile Protector SDK. Gemalto Mobile Protector makes wise and privacy-friendly use of biometrics: no biometric data is stored in data centers or servers. It all stays within the user's mobile securely. Gemalto Mobile Protector integrates a combination of proven security mechanisms – such as code obfuscation, encryption, key protection mechanisms with appropriate key management, device binding, and root and jailbreaking detection. This solution helps to comply with the requirements of the revised PSD2's Regulatory Technical Standard (RTS). https://www.thalesgroup.com/en/markets/digital-identity-and-security/banking-payment/digital-banking/sdk/mobile-protector CONTACTING YOU We won't contact you any more than normal if you use the app. But please stay alert to email, text messages or phone calls that appear to be from us. Criminals may try to trick you into giving them sensitive personal or account information. We'll never contact you to ask for these details. Any emails from us will always greet you personally using your title and surname. Any text messages we send you will come from Acba bank.

About

AraratMobile

Securely manage your finances anytime, anywhere with this mobile banking application. Access full online banking features, pay bills, transfer funds, and view account details on the go.

Highlights
  • Face/Touch ID access
  • Full online banking functionality
  • Bill payment and payee management
  • Fund transfers (local & global)
  • Card-to-card payments
  • Lost/stolen card reporting
  • ATM and office locator
Features
Read full description

Manage your money on the move and around the clock with this secure Mobile Banking app from ARARATBANK. Features: • Access Mobile Banking using Face/Touch ID • Full Online Banking functionality • Enroll, pay bills, transfer funds • View account balances, transaction details, pending payments/transfers • View deposit and check images • Pay bills and manage payees • Make local and global transfers • Make card-to-card payments • Report a lost or stolen debit card • Find nearby ARARATBANK offices and ATMs

Screenshots

acba digital4 screens
AraratMobile4 screens

Verdict

The call

The clearest difference is rating: acba digital at 4.3 against AraratMobile's 2.9. acba digital also leads on ratings volume (63 vs 21). On price, review sentiment, 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

acba digital holds the better App Store score, 4.3 against 2.9. Both are backed by a comparable volume of ratings — 63 and 21 respectively. Written reviews complicate that: 44% of acba digital's written reviews are positive against 50% of AraratMobile's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

acba digital ships an update fortnightly, AraratMobile every 2 weeks. The most recent releases landed on October 25, 2026 and October 27, 2026 respectively.

Scorecard2 real differences · 8 level
acba digital versus AraratMobile: the parameters behind the verdict, then further details
Parameteracba digitalAraratMobile
PriceFreeFree
Rating4.3 (63 ratings) — better2.9 (21 ratings)
Positive reviews43.9% of reviews50.0% of reviews — better
Number of ratings63 — better21
Update frequencyFortnightlyEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.0 — better15.6
Further details — not scored
Size202 MB124 MB
Age rating4+4+
DeveloperACBA BANK OJSCARARATBANK

Customer experience

acba digital

All ratings63 ratings
Positive84.1%
Neutral1.6%
Negative14.3%
Written reviews41 reviews
Positive43.9%
Neutral12.2%
Negative43.9%

AraratMobile

All ratings21 ratings
Positive42.9%
Neutral4.8%
Negative52.4%
Written reviews4 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

In-app purchases

None

acba digital

No in-app purchases

None

AraratMobile

No in-app purchases

Questions

Is acba digital free?
acba digital is free to download, with no in-app purchases.
Is AraratMobile free?
AraratMobile is free to download, with no in-app purchases.
Which has better reviews, acba digital or AraratMobile?
acba digital is rated higher. acba digital averages 4.3 out of 5 from 63 ratings, while AraratMobile averages 2.9 from 21 ratings.
Do acba digital or AraratMobile have ads?
Neither acba digital nor AraratMobile shows ads.
Which is updated more often, acba digital or AraratMobile?
acba digital ships an update fortnightly, and AraratMobile every 2 weeks. Most recently, acba digital was updated on October 25, 2026 and AraratMobile on October 27, 2026.

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