Comparison

UBA Mobile App vs Stabnance (Formerly Softswapp)

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

Head to head
About

UBA Mobile App

Manage your finances, send money, pay bills, and save for your goals with this personal financial manager. It offers features like setting spending limits, instant notifications, and card management. Users can also open new accounts and find nearby branches or ATMs.

Highlights
  • Manage accounts
  • Send money
  • Schedule and pay bills
  • Set spending limits
  • Save for goals
  • Card management
  • Open new accounts
Features
Read full description

Manage your accounts, send money, top-up airtime, schedule your bills, save for your goals, and much more... The UBA Mobile App is your Personal Financial Manager and It's Made for you! What's great about the new UBA Mobile App? Everything! You can: Set spending limit Schedule and pay bills Make transfers Get instant notifications Save for your goals Open a new account Interact in multiple languages Sort out transaction disputes easily Find a branch or ATM near you Lock, freeze, cancel and block your card Organise your dashboard Select themes to suit your mood Wave over your phone camera to hide your balance Send money to phone numbers Confirm, request, and stop cheques To get started If you have a UBA account, select Sign-up and register as a new user by choosing from any of the options below: 1. UBA Debit/Prepaid Card 2. UBA Secure Pass 3. USSD PIN 4. Activation Code Only (limited access) 5. In-branch activation If you do not have a UBA account 1. Click the menu on the top-left corner of your app 2. Select "Open an Account" 3. Choose your preferred account type 4. Fill in your details and your account number will be sent to you via SMS 5. Conclude your signup process 6. Start Banking

About

Stabnance (Formerly Softswapp)

Easily spend your cryptocurrency assets like cash. This app enables instant conversion of stablecoins to Naira and facilitates cross-border payments, offering a secure and regulated way to access your funds.

Highlights
  • Instant stablecoin to Naira conversion
  • Cross-border payments
  • Bank-grade security
  • KYC verification
  • Regulated infrastructure
  • Designed for real-world crypto use
Features
Read full description

Stabnance lets you spend your crypto assets anywhere, anytime — just like regular cash. Built for Nigerians who hold stablecoins and crypto but need fast, reliable access to Naira and cross-border payments, Stabnance removes the friction of converting digital assets into spendable money. WHY STABNANCE • Instant conversion — turn USDT and other stablecoins into Naira in seconds, no waiting on P2P traders or unreliable middlemen • Cross-border payments — send money across borders without the delays and restrictions of traditional banking rails • Secure by design — your wallet is generated and secured using bank-grade key infrastructure, with KYC verification to keep your account protected • Regulated infrastructure — Stabnance operates through licensed, regulated partners, so your funds move through compliant channels, not informal P2P risk • Built for real use — whether you're getting paid in crypto, sending money home, or converting savings, Stabnance is designed around how Nigerians actually use digital assets No complexity. No friction. Crypto made simple — download Stabnance and start spending your crypto like cash.

Screenshots

UBA Mobile App4 screens
Stabnance (Formerly Softswapp)4 screens

Verdict

The call

The clearest difference is rating: Stabnance (Formerly Softswapp) at 4.0 against UBA Mobile App's 2.7. Stabnance (Formerly Softswapp) also leads on review sentiment (50% vs 13%) and update cadence (fortnightly vs every 2 months). UBA Mobile App's advantage is ratings volume (979 vs 4) and iOS requirement (13.0 vs 15.0). 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

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

Stabnance (Formerly Softswapp) holds the better App Store score, 4.0 against 2.7. That said, the two scores are not equally well evidenced: UBA Mobile App has 979 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 13% of UBA Mobile App's written reviews are positive against 50% of Stabnance (Formerly Softswapp)'s.

UpkeepUpdate frequency

UBA Mobile App ships an update every 2 months, Stabnance (Formerly Softswapp) fortnightly. The most recent releases landed on October 28, 2026 and October 25, 2026 respectively.

Scorecard5 real differences · 5 level
UBA Mobile App versus Stabnance (Formerly Softswapp): the parameters behind the verdict, then further details
ParameterUBA Mobile AppStabnance (Formerly Softswapp)
PriceFreeFree
Rating2.7 (979 ratings)4.0 (4 ratings) — better
Positive reviews12.5% of reviews50.0% of reviews — better
Number of ratings979 — better4
Update frequencyEvery 2 monthsFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS13.0 — better15.0
Further details — not scored
Size157 MB62 MB
Age rating4+4+
DeveloperUnited Bank For Africa PlcStabnance Global Limited

Customer experience

UBA Mobile App

All ratings898 ratings
Positive39.9%
Neutral10.5%
Negative49.7%
Written reviews280 reviews
Positive12.5%
Neutral2.5%
Negative85.0%

Stabnance (Formerly Softswapp)

All ratings4 ratings
Positive75.0%
Neutral0.0%
Negative25.0%
Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

Bugs and requests

UBA Mobile App

Reported bugs

3 issues
  • Unable to log in or register account
  • Disappearing accounts and lost transaction data
  • Compatibility issues with newer devices

Requested features

3 requests
  • Option to hide account balance
  • Biometric authentication for transactions
  • Improved customer support and communication

Stabnance (Formerly Softswapp)

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

UBA Mobile App

No in-app purchases

None

Stabnance (Formerly Softswapp)

No in-app purchases

Questions

Is UBA Mobile App free?
UBA Mobile App is free to download, with no in-app purchases.
Is Stabnance (Formerly Softswapp) free?
Stabnance (Formerly Softswapp) is free to download, with no in-app purchases.
Which has better reviews, UBA Mobile App or Stabnance (Formerly Softswapp)?
Stabnance (Formerly Softswapp) is rated higher. UBA Mobile App averages 2.7 out of 5 from 979 ratings, while Stabnance (Formerly Softswapp) averages 4.0 from 4 ratings.
Do UBA Mobile App or Stabnance (Formerly Softswapp) have ads?
Neither UBA Mobile App nor Stabnance (Formerly Softswapp) shows ads.
Which is updated more often, UBA Mobile App or Stabnance (Formerly Softswapp)?
UBA Mobile App ships an update every 2 months, and Stabnance (Formerly Softswapp) fortnightly. Most recently, UBA Mobile App was updated on October 28, 2026 and Stabnance (Formerly Softswapp) on October 25, 2026.

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