# Scotiabank vs Simplii Financial

The clearest difference is rating: Scotiabank at 4.8 against Simplii Financial's 3.9. Scotiabank also leads on ratings volume (20K vs 76) and review sentiment (40% vs 23%). 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.

Scotiabank holds the better App Store score, 4.8 against 3.9. That said, the two scores are not equally well evidenced: Scotiabank has 20K ratings behind it against 76, so its average is the more settled of the two. Written reviews point the same way: 40% of Scotiabank's written reviews are positive against 23% of Simplii Financial's.

Scotiabank ships an update every 2 weeks, Simplii Financial every 5 weeks. The most recent releases landed on November 3, 2026 and November 1, 2026 respectively.

## The numbers

| Metric | Scotiabank | Simplii Financial |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (20K ratings)](https://appshunter.io/ios/app/scotiabank/id341151570/reviews)** | [3.9 (76 ratings)](https://appshunter.io/ios/app/simplii-financial/id581352806/reviews) |
| Number of ratings | **20K** | 76 |
| Positive reviews | **40.1% of reviews** | 23.1% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 5 weeks |
| Monetization | Free | Free |
| Size | 324 MB | 81 MB |
| Requires iOS | **16.0** | 17.0 |
| Devices | **iPhone, iPad, Apple Watch** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Scotiabank](https://appshunter.io/developer/341151577) | [CIBC](https://appshunter.io/developer/351448956) |

## What reviewers say

### Scotiabank

[App page](https://appshunter.io/ios/app/scotiabank/id341151570)

Manage your finances with ease, security, and accessibility. Track budgets, deposit cheques, view credit scores, and access banking advisors. Enjoy personalized support and seamless switching between banking and investment apps.

**Highlights:** Budgeting and financial insights, Scene+ rewards management, Mobile cheque deposit, TransUnion credit score access, Accessibility features, Advisor booking, Enhanced security measures

**Features:** Apple Wallet, Apple Watch app

**In-app purchases:** none

**What reviewers like**

- 💯 Reliable
- 🚀 Easy to use
- 👍 User-friendly interface
- 🏆 Excellent service
- 🤝 Great support from staff

**What reviewers complain about**

- 🐛 Buggy app with frequent crashes
- 🔒 Issues with 2-step verification
- ⚠️ Unreliable account access
- 🤖 Poor customer service
- 🤕 Frustrating user experience

**Reported bugs**

- Login screen freezes
- Inability to deposit cheques or pay bills
- Accounts not showing up in the app
- Inconsistent app performance across devices
- Unexpected app crashes during use

**Requested features**

- Add dark mode option
- Improve mobile cheque deposit functionality
- Restore ability to schedule bill payments
- Display credit card reward points balance
- Provide better account management tools


### Simplii Financial

[App page](https://appshunter.io/ios/app/simplii-financial/id581352806)

Manage your finances on the go with this award-winning banking app. Pay bills, transfer funds, send and receive money internationally for free, and apply for new accounts. Enjoy exclusive offers and secure banking features.

**Highlights:** Pay bills, Transfer funds, Send/receive money internationally, Order foreign cash, Apply for accounts, Manage alerts, Chat with live agent

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use interface
- 🚀 Smooth performance
- 💳 Convenient banking features

**What reviewers complain about**

- 🐛 Frequent login issues
- ⚠️ Buggy updates
- 💸 Excessive fees
- 🤖 Poor customer service

**Reported bugs**

- App freezes during login
- Mobile deposit not working
- Notification badge not clearing

**Requested features**

- Dark mode option
- Transaction notifications
- Improved account management tools


## Frequently asked questions

### Is Scotiabank free?

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

### Is Simplii Financial free?

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

### Which has better reviews, Scotiabank or Simplii Financial?

Scotiabank is rated higher. Scotiabank averages 4.8 out of 5 from 20K ratings, while Simplii Financial averages 3.9 from 76 ratings.

### Do Scotiabank or Simplii Financial have ads?

Neither Scotiabank nor Simplii Financial shows ads.

### Which is updated more often, Scotiabank or Simplii Financial?

Scotiabank ships an update every 2 weeks, and Simplii Financial every 5 weeks. Most recently, Scotiabank was updated on November 3, 2026 and Simplii Financial on November 1, 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.*