# Cowry vs FirstCentral Mobile

The clearest difference is review sentiment: Cowry at 55% against FirstCentral Mobile's 0%. Cowry also leads on rating (3.4 vs 2.3) and ratings volume (58 vs 3). On price, ads, in-app purchases and monetization model there is nothing between them.

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

Cowry holds the better App Store score, 3.4 against 2.3. That said, the two scores are not equally well evidenced: Cowry has 58 ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 55% of Cowry's written reviews are positive against 0% of FirstCentral Mobile's.

Cowry ships an update every 2 months, FirstCentral Mobile every 6 months. The most recent releases landed on November 3, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | Cowry | FirstCentral Mobile |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.4 (58 ratings)](https://appshunter.io/ios/app/cowry-payments-app/id1556632029/reviews)** | [2.3 (3 ratings)](https://appshunter.io/ios/app/firstcentral-mobile/id6477953215/reviews) |
| Number of ratings | **58** | 3 |
| Positive reviews | **54.5% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 months** | Every 6 months |
| Monetization | Free | Free |
| Size | 88 MB | 185 MB |
| Requires iOS | 15.6 | **14.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Touch and Pay Technologies Limited](https://appshunter.io/developer/1556632031) | [FirstCentral Credit Bureau](https://appshunter.io/developer/1731192338) |

## What reviewers say

### Cowry

[App page](https://appshunter.io/ios/app/cowry-payments-app/id1556632029)

Manage your micro-transaction payments easily. Top up credit via bank transfers or cash, track your payment history, and view your balance. Transfer credit to friends and family, and receive low balance notifications.

**Highlights:** Top up credit via bank transfers or cash, Check payment history, View pay as you go balance, Transfer credit to friends and family, Airtime recharge, Low balance notifications, Scan bus QR codes

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

**In-app purchases:** none


### FirstCentral Mobile

[App page](https://appshunter.io/ios/app/firstcentral-mobile/id6477953215)

Access your credit score and detailed credit reports directly on your iOS device. Monitor your financial health with comprehensive reports and alerts, available 24/7 for informed decision-making.

**Highlights:** Check credit scores, Obtain credit reports, 24/7 access, Email delivery of reports, F-Alert PLUS notifications, Dishonoured Cheque Report

**In-app purchases:** none


## Frequently asked questions

### Is Cowry free?

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

### Is FirstCentral Mobile free?

FirstCentral Mobile is free to download, with no in-app purchases.

### Which has better reviews, Cowry or FirstCentral Mobile?

Cowry is rated higher. Cowry averages 3.4 out of 5 from 58 ratings, while FirstCentral Mobile averages 2.3 from 3 ratings.

### Do Cowry or FirstCentral Mobile have ads?

Neither Cowry nor FirstCentral Mobile shows ads.

### Which is updated more often, Cowry or FirstCentral Mobile?

Cowry ships an update every 2 months, and FirstCentral Mobile every 6 months. Most recently, Cowry was updated on November 3, 2026 and FirstCentral Mobile on October 30, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*