Kemba Mobile vs NKWD App
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Kemba Mobile
Manage your finances on the go with secure 24/7 access to your accounts. Perform transactions, deposit checks, pay bills, and control your cards directly from your mobile device.
- 24/7 secure account access
- Check balances
- View transaction history
- Deposit checks
- Transfer funds
- Pay bills
- Card controls
Read full descriptionHide full description
Kemba Mobile gives you 24/7 secure access to your accounts from your mobile device. The Kemba Mobile app is free to all members of Kemba Cincinnati (data charges may apply). Using Kemba Mobile, you can: • Check Balances • View and Search Transaction History • Deposit Checks • Transfer Funds • Pay Bills • Turn Cards On and Off • Enroll in eStatements
NKWD App
Easily pay your water bill directly from your iPhone or iPad. This application streamlines the payment process for your Northern Kentucky Water District account.
- Pay water bills
- Mobile payment
- iPhone and iPad compatible
Read full descriptionHide full description
Northern Kentucky Water District app powered by Paymentus. This allows you to pay your water bill via your iPhone or iPad.
Screenshots
Verdict
The clearest difference is rating: NKWD App at 4.8 against Kemba Mobile's 2.8. NKWD App also leads on review sentiment (73% vs 55%) and ratings volume (464 vs 47). Kemba Mobile's advantage is update cadence (every 5 weeks vs every 55 months). 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.
NKWD App holds the better App Store score, 4.8 against 2.8. That said, the two scores are not equally well evidenced: NKWD App has 464 ratings behind it against 47, so its average is the more settled of the two. Written reviews point the same way: 55% of Kemba Mobile's written reviews are positive against 73% of NKWD App's.
Kemba Mobile ships an update every 5 weeks, NKWD App every 55 months. The most recent releases landed on November 7, 2026 and November 11, 2026 respectively.
| Parameter | Kemba Mobile | NKWD App |
|---|---|---|
| Price | Free | Free |
| Rating | 2.8 (47 ratings) | 4.8 (464 ratings) — better |
| Positive reviews | 55.3% of reviews | 72.5% of reviews — better |
| Number of ratings | 47 | 464 — better |
| Update frequency | Every 5 weeks — better | Every 55 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 16.0 | 15.0 — better |
| Further details — not scored | ||
| Size | 128 MB | 24 MB |
| Age rating | 4+ | 4+ |
| Developer | Kemba Credit Union | Paymentus Corporation |
Customer experience
Kemba Mobile
NKWD App
User reviews
Kemba Mobile
From 47 App Store ratingsWhat we love
- 👍 User-friendly and easy to navigate
- 👍 Convenient for viewing account information
- 👍 Great customer service
- 👍 Makes balancing checking account easy
- 👍 Appreciated for protecting funds and identity
Room to improve
- 🐛 App is buggy and unstable
- 🐛 Frequent logouts and poor performance
- 🐛 Mobile deposit errors
- 🐛 Difficulty logging in after updates
- 🐛 Annoying security verification steps
NKWD App
From 464 App Store ratingsWhat we love
- 👍 Easy to use
- 👍 Simple and clean interface
- 🚀 Quick payments
- 🚀 Faster than website/old site
- 👍 Convenient for payments
Room to improve
- 🐛 Cannot view bills
- 🐛 Annoying to view bills
- 🐛 Hard to view bill and previous bills
- 🐛 Error when viewing past bills
- 🐛 Login issues (user ID/password)
Bugs and requests
Kemba Mobile
Reported bugs
25 issues- Constantly deleting and reinstalling app
- Randomly logged out
- No smooth transition between menus
- Mobile deposit error 'something went wrong'
- Face ID/Touch ID not saving or working
Show 20 moreShow fewer
- Profile picture not uploading
- System doesn't recognize user after update
- Cannot unlock card
- App is non-functional, jumps up and down
- Fatal error when paying credit card bill
- Cannot link another bank to pay auto loan
- Biometrics not working properly
- Touch ID does not work
- Cannot save biometrics on iPad
- Card won't unfreeze at random times
- App is slow
- Direct deposit takes too long to appear
- Hard to pay bills, often not working
- Cannot pay bills over $1,000
- App moves slow
- Fingerprint enabling and quick lookup don't work
- App is on functional, jumps up and down
- Ads before seeing balance
- App is completely non-functional
- Mobile deposit requires perfect lighting
Requested features
10 requests- More physical bank locations
- Ability to make payments from iPhone app
- Add own pending transactions
- Pattern or number code for faster sign-in
- More ATMs
Show 5 moreShow fewer
- Widget for quick access
- Move Face ID button
- Ability to set up payment from another bank
- Option to pay auto loan via phone app
- Fix backspace issue where entire field is deleted
NKWD App
Reported bugs
14 issues- Forgot user ID password flow is abysmal
- Keeps saying temp pe is incorrect
- Not being able to see my bills is annoying
- Hard to view bill and previous bills
- Getting an “Error, please try again prompt” when viewing past bills
Show 9 moreShow fewer
- Pretty lack luster interface
- Don’t give you a format prompt for entering the expiration date
- Says expiration date is either missing or invalid no matter what
- Keeps telling me that my expiration date is wrong
- Only shows amount owed and allows you to pay through app. Nothing else
- Will not display what the actual bill would look like, had it been received in the mail
- Never works
- Did not include security enhancement like Touch ID
- Why no Amex to this day?!
Requested features
4 requests- Include security enhancement like Touch ID
- Add Amex as a payment option
- Allow viewing of past bills
- Provide format prompt for expiration date
In-app purchases
Kemba Mobile
No in-app purchases
NKWD App
No in-app purchases
Questions
Is Kemba Mobile free?
Is NKWD App free?
Which has better reviews, Kemba Mobile or NKWD App?
Do Kemba Mobile or NKWD App have ads?
Which is updated more often, Kemba Mobile or NKWD App?
Other comparisons
