# FBNDirect vs The UMB SpeedApp

The clearest difference is update cadence: The UMB SpeedApp at every 10 days against FBNDirect's every 2 months. FBNDirect's advantage is iOS requirement (12.0 vs 15.5). On price, ads, in-app purchases and device support there is nothing between them.

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

FBNDirect ships an update every 2 months, The UMB SpeedApp every 10 days. The most recent releases landed on October 25, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | FBNDirect | The UMB SpeedApp |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[3.5 (31 ratings)](https://appshunter.io/ios/app/the-umb-speedapp/id6752994351/reviews)** |
| Number of ratings | — | **31** |
| Positive reviews | — | 33.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 10 days** |
| Monetization | — | Free |
| Size | 43 MB | 92 MB |
| Requires iOS | **12.0** | 15.5 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [First Bank of Nigeria Limited](https://appshunter.io/developer/969048464) | [Universal Merchant Bank Ltd](https://appshunter.io/developer/1289570657) |

## What reviewers say

### FBNDirect

[App page](https://appshunter.io/ios/app/fbndirect/id1617635508)

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

**In-app purchases:** none


### The UMB SpeedApp

[App page](https://appshunter.io/ios/app/the-umb-speedapp/id6752994351)

Manage your finances conveniently and securely with this mobile banking application. Features include facial recognition login, account management, beneficiary setup, and bill payments. Experience a faster, smarter, and more reliable banking solution.

**Highlights:** Facial recognition login, Account linking and management, Beneficiary setup for transfers, Utility bill and data bundle payments, Receipt generation and sharing, Standing order setup

**In-app purchases:** none


## Frequently asked questions

### Is FBNDirect free?

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

### Is The UMB SpeedApp free?

The UMB SpeedApp is free to download, with no in-app purchases.

### Do FBNDirect or The UMB SpeedApp have ads?

Neither FBNDirect nor The UMB SpeedApp shows ads.

### Which is updated more often, FBNDirect or The UMB SpeedApp?

FBNDirect ships an update every 2 months, and The UMB SpeedApp every 10 days. Most recently, FBNDirect was updated on October 25, 2026 and The UMB SpeedApp on October 30, 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.*