Comparison

DigiKolo vs NCube Mobile Banking

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

Head to head
About

DigiKolo

Build a stronger savings habit with a secure, licensed platform offering attractive interest rates up to 21% PA. Set automated savings, create targeted plans for life goals, and participate in savings challenges with friends. Manage your funds effectively and prepare for the future.

Highlights
  • High interest rates up to 21% PA
  • Automated and flexible savings options
  • Targeted savings plans for life goals
  • Savings challenges with friends
  • Secure and licensed platform
  • 24/7 customer support
Features
Read full description

DigiKolo Savings app is a flexible, secure and a Licensed savings platform that enables you to build an improved savings culture while rewarding your consistence with as much as 21% interest PA. With Digikolo Savings App you can build your savings, manage your funds and even build a better financial future that is secured. On the Digikolo Savings App, you can: - Save Long-term, Short-term or towards Targeted Goals. - Start automated savings with as Low as 200 naira per day or weekly, monthly with our flexible savings offers. - Engage in a Savings challenge with friends and have bragging rights. - Use Target Plans to stay consistent towards Social & Life Goals like a date, Valentine, Weddings, Birthdays, School Fees, Retirement or even to start a new business. - Earn the HOOGE! interest on your savings as high as 21%. - Prepare for Unforeseen Incidents by having Rainy-day Savings. - Earn actual cash of up to 200 naira when you use your referral code to invite friends ad family. Turn your phone into a Digital-Kolo today There’s a host of reasons you should save on DigiKolo, but we will shorten it to 3 reasons: • Very attractive interest rate on DigiKolo (18.5%), DigiTarget (18.5%) and DigiLock (21%). • Easily Save and Invest with user-friendly tools. • Effectively Save for different purpose at the snap of your finger. Rest Assured we have you at the center of our operations. We never let you walk alone: We have a dedicated 24/7 customer support through the app, phone , email, Facebook, Instagram, YouTube, Twitter who are hard at work to ensure we serve you better. If you need advisor for help or enrolment support, we are always available. Why not take charge of your Financial Future now. Start planning for short and long term goals as well as emergencies by creating a savings plan with Digikolo. DigiKolo Saving App consist of the following features: • DigiKolo - Where you put money away either daily, weekly, or monthly for savings • DigiTarget - This plan helps you commit to a goal for a fixed period of time, it helps you save towards a goal or an event with a very return on your savings. • DigiLock - This is a fixed savings option that allows you to lock your savings for a particular period of time. Digikolo savings app is driven by Digital Space Capital Ltd. aimed at encouraging a proper savings culture for individuals with a financial goal. DigiKolo avails you the opportunity to do more with your money seamlessly be it just the conventional savings, target savings, or locking funds away for a period.

About

NCube Mobile Banking

Features
Read full description

Welcome to NCube Mobile Application – Our shared Mobile Banking Application for retail mobile banking! Select your Bank, manage your finances, send money, manage beneficiaries and enjoy a plethora of products and service offerings from your Bank via NCube Application by NIBSS.

Screenshots

DigiKolo4 screens
NCube Mobile Banking4 screens

Verdict

The call

The clearest difference is ads: DigiKolo at none against NCube Mobile Banking's shown. DigiKolo also leads on update cadence (monthly vs every 4 months). On price, in-app purchases, device support and iOS requirement 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.

UpkeepUpdate frequency

DigiKolo ships an update monthly, NCube Mobile Banking every 4 months. The most recent releases landed on October 11, 2026 and October 16, 2026 respectively.

Scorecard2 real differences · 8 level
DigiKolo versus NCube Mobile Banking: the parameters behind the verdict, then further details
ParameterDigiKoloNCube Mobile Banking
PriceFreeFree
Rating3.1 (7 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings7 — better—
Update frequencyMonthly — betterEvery 4 months
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.615.1 — better
Further details — not scored
Size31 MB35 MB
Age rating4+4+
DeveloperDigital Space Capital LimitedNigeria Interbank settlement System PLC

In-app purchases

None

DigiKolo

No in-app purchases

None

NCube Mobile Banking

No in-app purchases

Questions

Is DigiKolo free?
DigiKolo is free to download, with no in-app purchases.
Is NCube Mobile Banking free?
NCube Mobile Banking is free to download, with no in-app purchases.
Do DigiKolo or NCube Mobile Banking have ads?
NCube Mobile Banking shows ads; DigiKolo does not.
Which is updated more often, DigiKolo or NCube Mobile Banking?
DigiKolo ships an update monthly, and NCube Mobile Banking every 4 months. Most recently, DigiKolo was updated on October 11, 2026 and NCube Mobile Banking on October 16, 2026.

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