Kemba Mobile vs Gesa Digital Banking
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
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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
Gesa Digital Banking
Manage your finances conveniently from your mobile device. Transfer funds, deposit checks, pay bills, and apply for financial products like loans and credit cards. Enjoy secure access with biometric options on supported devices.
- Money transfers
- Check deposits
- Bill payments
- Loan applications
- Credit card applications
- New account opening
- Biometric access
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Your banking on your schedule, all from the palm of your hand! Move or send money between your accounts or to someone else. Deposit your checks, pay your bills, apply for loans and credit cards, open a new account - all from your mobile device. All of this and so much more! Biometric access available on compatible devices. For more about Gesa Digital Banking, visit us on Gesa.com (Standard mobile web fees may apply. Please contact your wireless provider for details.)
Screenshots
Verdict
The clearest difference is rating: Gesa Digital Banking at 4.7 against Kemba Mobile's 2.8. Gesa Digital Banking also leads on ratings volume (28K vs 46). Kemba Mobile's advantage is update cadence (every 5 weeks vs every 14 months) and review sentiment (56% vs 30%). 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.
Gesa Digital Banking holds the better App Store score, 4.7 against 2.8. That said, the two scores are not equally well evidenced: Gesa Digital Banking has 28K ratings behind it against 46, so its average is the more settled of the two. Written reviews complicate that: 56% of Kemba Mobile's written reviews are positive against 30% of Gesa Digital Banking's, so the app with the better star average is not the one people write more warmly about.
Kemba Mobile ships an update every 5 weeks, Gesa Digital Banking every 14 months. The most recent releases landed on October 23, 2026 and October 31, 2026 respectively.
| Parameter | Kemba Mobile | Gesa Digital Banking |
|---|---|---|
| Price | Free | Free |
| Rating | 2.8 (46 ratings) | 4.7 (28K ratings) — better |
| Positive reviews | 56.0% of reviews — better | 29.8% of reviews |
| Number of ratings | 46 | 28K — better |
| Update frequency | Every 5 weeks — better | Every 14 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 | 81 MB |
| Age rating | 4+ | 4+ |
| Developer | Kemba Credit Union | Gesa Credit Union |
Customer experience
Kemba Mobile
Gesa Digital Banking
User reviews
Kemba Mobile
From 46 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
Gesa Digital Banking
From 28K App Store ratingsWhat we love
- 🚀 Straightforward and easy to use
- 🔒 Secure banking experience
- 👍 Reliable for basic banking needs
- 🚀 Convenient mobile check deposit
- 👍 Friendly and helpful customer service
Room to improve
- 🐛 Buggy and glitchy app experience
- 🕰️ Slow and laggy performance
- 🔒 Frequent 2-step verification required
- 👎 Difficult to navigate and find features
- 🔨 Poor integration with credit card and in-branch services
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
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- 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
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- 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
Gesa Digital Banking
Reported bugs
4 issues- Remote check deposit issues and timeouts
- Inconsistent login and logout behavior
- Incorrect account and address information
- Delayed posting of pending transactions
Requested features
5 requests- Increase transfer limit from savings to checking
- Improve navigation and organization of the app
- Add biometric login options (fingerprint, face ID)
- Streamline credit card payment process
- Redesign the app to be more visually appealing
In-app purchases
Kemba Mobile
No in-app purchases
Gesa Digital Banking
No in-app purchases
Questions
Is Kemba Mobile free?
Is Gesa Digital Banking free?
Which has better reviews, Kemba Mobile or Gesa Digital Banking?
Do Kemba Mobile or Gesa Digital Banking have ads?
Which is updated more often, Kemba Mobile or Gesa Digital Banking?
Other comparisons
