# AIB Mobile vs Premium Credit

The clearest difference is rating: AIB Mobile at 4.5 against Premium Credit's 3.0. AIB Mobile also leads on update cadence (every 2 weeks vs every 3 months) and ratings volume (1.5K vs 1). Premium Credit's advantage is ads (none vs shown) and review sentiment (25% vs 15%). On price, in-app purchases, monetization model and device support there is nothing between them.

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

AIB Mobile holds the better App Store score, 4.5 against 3.0. That said, the two scores are not equally well evidenced: AIB Mobile has 1.5K ratings behind it against 1, so its average is the more settled of the two. Written reviews complicate that: 15% of AIB Mobile's written reviews are positive against 25% of Premium Credit's, so the app with the better star average is not the one people write more warmly about.

AIB Mobile ships an update every 2 weeks, Premium Credit every 3 months. The most recent releases landed on October 26, 2026 and October 20, 2026 respectively.

## The numbers

| Metric | AIB Mobile | Premium Credit |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (1.5K ratings)](https://appshunter.io/ios/app/aib-mobile/id468042881/reviews)** | [3.0 (1 ratings)](https://appshunter.io/ios/app/premium-credit-ejourney/id1438511813/reviews) |
| Number of ratings | **1.5K** | 1 |
| Positive reviews | 15.0% of reviews | **25.0% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Every 2 weeks** | Every 3 months |
| Monetization | Free | Free |
| Size | 159 MB | 73 MB |
| Requires iOS | 15.1 | **15.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Allied Irish Banks, p.l.c.](https://appshunter.io/developer/468042884) | [Premium Credit](https://appshunter.io/developer/523061017) |

## What reviewers say

### AIB Mobile

[App page](https://appshunter.io/ios/app/aib-mobile/id468042881)

Manage your everyday banking conveniently and securely from your smartphone. Apply for loans, credit cards, and overdrafts, make payments, and access account statements. The app offers features like quick balance checks and card management for enhanced financial control.

**Highlights:** Open new accounts, Apply for loans and overdrafts, Make payments with phone number, Manage standing orders and direct debits, View and save statements, Freeze/unfreeze cards, Secure login with FaceID/TouchID

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Nice app, enjoyable to use
- 🚀 Efficient and quick to use
- 💡 Fantastic transfers, saved time service

**What reviewers complain about**

- 🐛 Archaic, outdated, and unreliable
- 🔒 Excessive security measures, complicated
- 🔒 Requires card readers, inconvenient
- 🐛 Constant issues, crashes, and bugs
- 🐛 Fails to update, authentication issues

**Reported bugs**

- Selfie check operates sideways
- Payee information cannot be saved
- Security update consistently fails to install

**Requested features**

- Add ability to block betting sites
- Improve credit card balance display


### Premium Credit

[App page](https://appshunter.io/ios/app/premium-credit-ejourney/id1438511813)

Upload identity documents and review loan details to support your loan application. Securely verify personal information, eSign terms, and submit required photos for processing. This app is for Irish residents who have already applied for a loan.

**Highlights:** Secure login and personal detail confirmation, Review loan details, Review and eSign loan terms, Upload ID photos, Secure document submission

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is AIB Mobile free?

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

### Is Premium Credit free?

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

### Which has better reviews, AIB Mobile or Premium Credit?

AIB Mobile is rated higher. AIB Mobile averages 4.5 out of 5 from 1.5K ratings, while Premium Credit averages 3.0 from 1 ratings.

### Do AIB Mobile or Premium Credit have ads?

AIB Mobile shows ads; Premium Credit does not.

### Which is updated more often, AIB Mobile or Premium Credit?

AIB Mobile ships an update every 2 weeks, and Premium Credit every 3 months. Most recently, AIB Mobile was updated on October 26, 2026 and Premium Credit on October 20, 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.*