# IDFC FIRST Bank vs PSB UnIC

The clearest difference is ratings volume: IDFC FIRST Bank at 3.2K against PSB UnIC's 4. IDFC FIRST Bank also leads on update cadence (fortnightly vs monthly). On price, rating, review sentiment and ads there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.8 for IDFC FIRST Bank against 4.8 for PSB UnIC. That said, the two scores are not equally well evidenced: IDFC FIRST Bank has 3.2K ratings behind it against 4, so its average is the more settled of the two. Written reviews are what separate them: 53% of IDFC FIRST Bank's written reviews are positive against 52% of PSB UnIC's.

IDFC FIRST Bank ships an update fortnightly, PSB UnIC monthly. The most recent releases landed on October 30, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | IDFC FIRST Bank | PSB UnIC |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (3.2K ratings)](https://appshunter.io/ios/app/idfc-first-bank-mobilebanking/id1521443352/reviews)** | [4.8 (4 ratings)](https://appshunter.io/ios/app/psb-unic/id1597657276/reviews) |
| Number of ratings | **3.2K** | 4 |
| Positive reviews | **53.1% of reviews** | 51.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Monthly |
| Monetization | Free | Free |
| Size | 260 MB | 197 MB |
| Requires iOS | 17.0 | 17.0 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [IDFC FIRST BANK LTD](https://appshunter.io/developer/1090320551) | [PUNJAB AND SIND BANK](https://appshunter.io/developer/1475907222) |

## What reviewers say

### IDFC FIRST Bank

[App page](https://appshunter.io/ios/app/idfc-first-bank-mobilebanking/id1521443352)

Manage your finances with a comprehensive mobile banking app. Access accounts, make instant payments, track expenses, and explore investment and insurance options. Enjoy personalized offers and loans with zero fees on many services.

**Highlights:** One-Swipe account management, Instant payments and transfers, Zero fee banking services, Expense tracking and categorization, Investment and mutual fund services, Instant personal loans, In-app flight and hotel booking

**In-app purchases:** none

**What reviewers like**

- 👍 Convenient mobile banking
- 🚀 Fast and smooth app experience
- 💡 Useful features like bulk transfers
- 👍 Excellent user interface and navigation

**What reviewers complain about**

- 🐛 Frequent app crashes and bugs
- 🔒 Mandatory SIM binding issues for NRI users
- 👎 Poor customer service, especially for NRI accounts
- 🐛 Compatibility issues with newer devices and OS versions

**Reported bugs**

- Login screen freezes and infinite loops
- App not working on WiFi, only on mobile data
- Issues with adding payees and transferring funds
- Notifications and app updates not working properly

**Requested features**

- Display exchange rates for NRE/NRO account transfers
- Add support for iPads and larger screen devices
- Improve security without compromising user experience
- Provide better options for international customers


### PSB UnIC

[App page](https://appshunter.io/ios/app/psb-unic/id1597657276)

Manage your bank accounts, transfer funds, and invest in schemes. This app offers features like debit card management, cheque services, and instant payment options. Access exclusive banking services conveniently from your mobile device.

**Highlights:** Fund transfers (UPI, NEFT, RTGS, IMPS), Account details and statement generation, Invest in term deposits and social security schemes, Debit card management and application, Cheque services and positive pay, Biometric and MPIN login

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

**In-app purchases:** none


## Frequently asked questions

### Is IDFC FIRST Bank free?

IDFC FIRST Bank is free to download, with no in-app purchases.

### Is PSB UnIC free?

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

### Which has better reviews, IDFC FIRST Bank or PSB UnIC?

IDFC FIRST Bank is rated higher. IDFC FIRST Bank averages 4.8 out of 5 from 3.2K ratings, while PSB UnIC averages 4.8 from 4 ratings.

### Do IDFC FIRST Bank or PSB UnIC have ads?

Neither IDFC FIRST Bank nor PSB UnIC shows ads.

### Which is updated more often, IDFC FIRST Bank or PSB UnIC?

IDFC FIRST Bank ships an update fortnightly, and PSB UnIC monthly. Most recently, IDFC FIRST Bank was updated on October 30, 2026 and PSB UnIC on October 24, 2026.

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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.*