FNB Banking App vs Kokosend
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
FNB Banking App
Experience award-winning, secure, and personalized digital banking. This app offers intelligent search, customizable features, and innovative payment options for effortless financial management. Access verified statements and make secure transactions on the go.
- Intelligent search for quick access
- Customizable home screen
- Secure PIN and biometric login
- Multiple profile switching
- Innovative payment options (ChatPay, PayShap)
- Digital wallet integration
- Secure in-app messaging
- Prepaid top-ups
- Verified statement downloads
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Award-winning banking made simple, secure, and built around you. Welcome to the future of banking. Discover smarter, safer banking with the FNB App, recognised globally and named Best Consumer Digital Bank and Best Mobile Banking App in South Africa four years in a row. How the FNB App helps you Intelligent Search Find what you need, faster. Discover smarter banking with intelligent search; from shortcuts and saved recipients to offers, FAQs, and instant help. Customise your app Make your Home screen yours by adding your most-used features for quick, effortless banking. App PIN & biometrics Sign in securely with a 5-digit PIN or biometric authentication. Multiple profiles Switch seamlessly between different users via My profile. Innovative payments Pay your way with ChatPay, PayShap, Geo Payments, Pay2Cell, Instant Payment, and more. Digital wallets Make secure contactless payments with Apple Pay and other wallets. Secure messaging Chat safely with FNB customers — share locations, send voice notes, or pay directly in chat. Prepaid purchases Top up airtime, data, electricity, vouchers, and more in seconds. Verified statements Easily download verified, bank-stamped statements straight from your app. We continuously update the app to deliver world-class security, performance, and innovation, giving you the best possible digital banking experience
Kokosend
This application facilitates rapid money transfers throughout Africa. It is designed for quick and efficient cross-border financial transactions within the continent.
- Quick fund transfers
- Cross-Africa transactions
- Efficient financial services
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Kokosend helps you send funds quickly across Africa
Screenshots
Verdict
The clearest difference is rating: FNB Banking App at 4.8 against Kokosend's 4.3. FNB Banking App also leads on ratings volume (9.6K vs 38). Kokosend's advantage is review sentiment (70% vs 45%) and update cadence (every 2 weeks vs monthly). 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.
FNB Banking App holds the better App Store score, 4.8 against 4.3. That said, the two scores are not equally well evidenced: FNB Banking App has 9.6K ratings behind it against 38, so its average is the more settled of the two. Written reviews complicate that: 45% of FNB Banking App's written reviews are positive against 70% of Kokosend's, so the app with the better star average is not the one people write more warmly about.
FNB Banking App ships an update monthly, Kokosend every 2 weeks. The most recent releases landed on October 29, 2026 and October 24, 2026 respectively.
| Parameter | FNB Banking App | Kokosend |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (9.6K ratings) — better | 4.3 (38 ratings) |
| Positive reviews | 44.7% of reviews | 69.6% of reviews — better |
| Number of ratings | 9.6K — better | 38 |
| Update frequency | Monthly | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 16.0 | 15.6 — better |
| Further details — not scored | ||
| Size | 106 MB | 47 MB |
| Age rating | 4+ | 4+ |
| Developer | FirstRand Bank Limited | KOKOSEND LIMITED |
Customer experience
FNB Banking App
Kokosend
Bugs and requests
FNB Banking App
Reported bugs
5 issues- Login issues and inability to reset credentials
- Notifications not clearing correctly
- Inconsistent performance across devices
- Compatibility problems with newer iOS versions
- Errors when trying to complete transactions
Requested features
5 requests- Implement Apple Pay support
- Add iPad-specific optimization
- Improve transaction history and statements
- Introduce budgeting and financial management tools
- Allow pasting of passwords for security apps
Kokosend
Not enough reviews yet to summarise bugs or requests.
In-app purchases
FNB Banking App
No in-app purchases
Kokosend
No in-app purchases
