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.
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.
- Manage accounts
- Send money
- Schedule and pay bills
- Set spending limits
- Save for goals
- Card management
- Open new accounts
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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
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.
- Instant stablecoin to Naira conversion
- Cross-border payments
- Bank-grade security
- KYC verification
- Regulated infrastructure
- Designed for real-world crypto use
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
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.
| Parameter | UBA Mobile App | Stabnance (Formerly Softswapp) |
|---|---|---|
| Price | Free | Free |
| Rating | 2.7 (979 ratings) | 4.0 (4 ratings) — better |
| Positive reviews | 12.5% of reviews | 50.0% of reviews — better |
| Number of ratings | 979 — better | 4 |
| Update frequency | Every 2 months | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 13.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 157 MB | 62 MB |
| Age rating | 4+ | 4+ |
| Developer | United Bank For Africa Plc | Stabnance Global Limited |
Customer experience
UBA Mobile App
Stabnance (Formerly Softswapp)
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
UBA Mobile App
No in-app purchases
Stabnance (Formerly Softswapp)
No in-app purchases
Questions
Is UBA Mobile App free?
Is Stabnance (Formerly Softswapp) free?
Which has better reviews, UBA Mobile App or Stabnance (Formerly Softswapp)?
Do UBA Mobile App or Stabnance (Formerly Softswapp) have ads?
Which is updated more often, UBA Mobile App or Stabnance (Formerly Softswapp)?
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