Comparison

SC Mobile India vs TC Pay | Payment Solutions

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

SC Mobile India

Manage your finances on the go with this intuitive mobile banking app. View account balances, transfer funds, pay bills, and locate ATMs and branches. It offers a secure and efficient way to handle your banking needs with a user-friendly interface.

Highlights
  • View account balances
  • Transfer funds
  • Pay credit card bills
  • Schedule payments
  • Locate ATMs and branches
  • Secure financial management
Features
Read full description

SC Mobile allows you to view, manage, and control your finances anytime, anywhere. Designed with both iPhone design and convenience in mind, SC Mobile combines an intuitive interface with powerful features, providing a simple and efficient way to handle your finances. SC Mobile is secured and safe, ensuring your financial information is protected. The app communicates in a friendly and easy-to-understand language, enabling you to check account balances, transfer funds between your accounts within and outside Standard Chartered Bank, pay credit card bills, schedule payments, and many more features. With SC Mobile App you can also locate the nearest Standard Chartered Bank ATMs and branches. Experience the convenience and peace of mind with the SC Mobile App, where smooth and secure banking is at your fingertips.

About

TC Pay | Payment Solutions

Manage all your foreign exchange needs with this comprehensive forex app. Easily handle forex cards, order cash or new cards, send money abroad, and pay international education fees. Track orders and find branches with secure, reliable service.

Highlights
  • Manage forex card
  • Buy foreign currency
  • Send money abroad
  • Pay education fees
  • Track orders
  • Locate branches
Features
Read full description

Your Trusted Forex Companion – TC Pay by Thomas Cook TC Pay is the official Thomas Cook Forex app that empowers you to manage your foreign exchange needs with ease, speed, and security. Whether you're a student, traveller, or global citizen, TC Pay is your one-stop solution for all things forex. Key Features: Manage Your Forex Card • Register your Thomas Cook Forex Card • Check balance, view transaction history, and manage card settings • Reload your card instantly, anytime, anywhere • Encash unused forex balance directly from the app Buy Forex in Cash or Card • Order foreign currency in cash or load a new forex card • Get doorstep delivery or pick up from the nearest Thomas Cook branch • Competitive exchange rates and transparent pricing Send Money Abroad (Remittance) • Transfer money to close relatives living abroad • Quick, secure, and RBI-compliant international money transfers Fee Remittance for Education Abroad • Pay university tuition fees directly from the app • Fast and secure payments to global institutions • Ideal for students studying in the USA, UK, Canada, Australia, and more Track & Locate • Find the nearest Thomas Cook forex branch outlet • Track your orders and remittance status in real-time Safe & Secure • Bank-grade security with multi-factor authentication • Trusted by millions of customers across India Why Choose TC Pay? • Backed by Thomas Cook India, a trusted name in travel and forex • Designed for students, travellers, parents, and global professionals • 24x7 customer support and in-app assistance • Regular updates and new features to enhance your experience

Screenshots

SC Mobile India4 screens
TC Pay | Payment Solutions4 screens

Verdict

The call

The clearest difference is rating: SC Mobile India at 4.8 against TC Pay | Payment Solutions's 1.0. SC Mobile India also leads on ratings volume (1.2K vs 9). TC Pay | Payment Solutions's advantage is ads (none vs shown). On price, review sentiment, update cadence and in-app purchases 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

SC Mobile India holds the better App Store score, 4.8 against 1.0. That said, the two scores are not equally well evidenced: SC Mobile India has 1.2K ratings behind it against 9, so its average is the more settled of the two. Written reviews point the same way: 38% of SC Mobile India's written reviews are positive against 36% of TC Pay | Payment Solutions's.

UpkeepUpdate frequency

SC Mobile India ships an update every 2 months, TC Pay | Payment Solutions monthly. The most recent releases landed on November 1, 2026 and October 30, 2026 respectively.

Scorecard3 real differences · 7 level
SC Mobile India versus TC Pay | Payment Solutions: the parameters behind the verdict, then further details
ParameterSC Mobile IndiaTC Pay | Payment Solutions
PriceFreeFree
Rating4.8 (1.2K ratings) — better1.0 (9 ratings)
Positive reviews38.2% of reviews — better35.6% of reviews
Number of ratings1.2K — better9
Update frequencyEvery 2 monthsMonthly — better
AdsYesNo — better
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.015.0
Further details — not scored
Size186 MB89 MB
Age rating17+4+
DeveloperStandard Chartered BankThomas Cook India Ltd.

Customer experience

SC Mobile India

All ratings1,199 ratings
Positive95.6%
Neutral1.8%
Negative2.7%
Written reviews68 reviews
Positive38.2%
Neutral4.4%
Negative57.4%

TC Pay | Payment Solutions

All ratings9 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews59 reviews
Positive35.6%
Neutral3.4%
Negative61.0%

User reviews

SC Mobile India

From 1.2K App Store ratings

What we love

  • 👍 User-friendly interface
  • 🚀 Smooth and efficient banking experience
  • 💡 Innovative features
  • 🔒 Secure banking

Room to improve

  • 🐛 Frequent crashes and bugs
  • ⚠️ Compatibility issues with newer iOS versions
  • 🔑 Frustrating OTP login process
  • 📍 Accessibility issues with UI elements

TC Pay | Payment Solutions

From 9 App Store ratings

What we love

  • 👍 User-friendly interface
  • 👍 Clean UI and smooth performance
  • 👍 Easy to use and well designed
  • 👍 Superb UI & Functionality
  • 👍 Simple UI, easy to use

Room to improve

  • 😞 App not transparent regarding policies
  • 😞 Requires branch visit for money credit
  • 😞 Cancellation charges applicable
  • 😞 Clueless support
  • 😞 Outdated app

Bugs and requests

SC Mobile India

Reported bugs

4 issues
  • App crashes on login
  • OTP not received for login
  • Header not working on iPhone XR
  • Amount and OTP fields difficult to type in

Requested features

4 requests
  • Ability to view more transaction history
  • Option to share transactions
  • Improved data picker functionality
  • Support for Face ID and Touch ID

TC Pay | Payment Solutions

Reported bugs

37 issues
  • Constant OTP errors while registering the card
  • Support never responds
  • Money deducted but claimed not received
  • Fraud transaction not resolved for months
  • Cannot upload money unless TC lets you
Show 32 more
  • Rates given by TC are way different than what you see on the app
  • TC team does not respond on time when you need to reload
  • Unable to register card or view card in new version
  • Error: card already registered
  • Keeps throwing user out of the application
  • Frequent server down issue
  • No cash availability in foreign country
  • Application not working
  • Not getting OTPs on iOS
  • Unable to login for months
  • Unable to connect to server
  • Login with Gmail and Google not working
  • Unable to login through mobile and email
  • App not loading
  • Registration for new card doesn't work
  • App crashes as soon as you submit registration
  • Card expiration month and year field is incorrect
  • Card declined for no reason
  • Customer care number doesn't exist
  • Doesn't give correct statements
  • Shows many 0$ transactions
  • Invalid PIN after trying to reset
  • Login limit exceeds after trying to reset PIN
  • OTP not being received
  • App closes automatically without any reason
  • App crashes when tap on sell forex
  • Statement download issue
  • Statements section keeps crashing
  • App crashes when selecting date range for statement
  • PIN length should be 4 only error when changing PIN
  • Transaction not reflected in creditor side but debited
  • App doesn't show balance or transactions in near real-time

Requested features

2 requests
  • Provide Face ID or Touch ID for login
  • Option to convert one currency to another

In-app purchases

None

SC Mobile India

No in-app purchases

None

TC Pay | Payment Solutions

No in-app purchases

Questions

Is SC Mobile India free?
SC Mobile India is free to download, with no in-app purchases.
Is TC Pay | Payment Solutions free?
TC Pay | Payment Solutions is free to download, with no in-app purchases.
Which has better reviews, SC Mobile India or TC Pay | Payment Solutions?
SC Mobile India is rated higher. SC Mobile India averages 4.8 out of 5 from 1.2K ratings, while TC Pay | Payment Solutions averages 1.0 from 9 ratings.
Do SC Mobile India or TC Pay | Payment Solutions have ads?
SC Mobile India shows ads; TC Pay | Payment Solutions does not.
Which is updated more often, SC Mobile India or TC Pay | Payment Solutions?
SC Mobile India ships an update every 2 months, and TC Pay | Payment Solutions monthly. Most recently, SC Mobile India was updated on November 1, 2026 and TC Pay | Payment Solutions on October 30, 2026.

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