Comparison

Centra Mobile vs CentralMOBILE

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

Head to head
About

Centra Mobile

Manage your finances on the go with this banking app. Deposit checks, send money, pay bills, and track your spending and budget. You can also manage your debit cards and set up account alerts.

Highlights
  • Deposit checks remotely
  • Send money with Zelle®
  • Manage debit cards
  • Pay bills and set up recurring payments
  • Track spending and balances
  • Create budgets and track income
Features
Read full description

Banking digitally at Centra means you can transfer money, pay bills, send money to friends, and monitor your account activity from anywhere, anytime. Features: DEPOSIT CHECKS Save yourself a trip by quickly snapping photos of your check to deposit into your account. SEND MONEY IN THE MOMENT WITH ZELLE® Send money to friends, family, and others you know and trust. MANAGE YOUR CARDS Protect your money by defining when, where, and how your Centra debit cards are used. PAY BILLS Use Bill Pay to pay bills quickly or create convenient recurring payments. TRACK YOUR SPENDING Stay on top of your transactions and balances by creating customized account alerts. MAKE A BUDGET Meet your savings goals by easily tracking expenses and income. Federally Insured by NCUA.

About

CentralMOBILE

Manage your bank accounts on the go with this mobile banking app. Deposit checks, pay bills, transfer funds, and find nearby branches or ATMs. Access Zelle for fast, secure money transfers to friends and family.

Highlights
  • Mobile check deposit
  • View account balances and transactions
  • Transfer funds between accounts
  • Pay bills and manage payments
  • Send money with Zelle
  • Find bank branches and ATMs
Features
Read full description

Securely bank wherever and whenever you want with CentralMOBILE from Central Bank. Available for free to all Central Bank CentralNET customers, CentralMOBILE allows you to deposit checks, pay bills, view account activity, find locations and more. REGISTER - To use CentralMOBILE, you must first be enrolled in CentralNET online banking. To use the CentralMOBILE APP, simply download the APP, to use the browser you will need to register your device in CentralNET to receive the browser address and an activation code. FEATURES: MOBILE CHECK DEPOSIT - Snap photos of checks and deposit them right from your smartphone. Just sign the back snap, and send. CHECK BALANCES – See your latest checking and savings account balances and recent transactions. TRANSFER FUNDS - Easily transfer cash between your eligible Central Bank accounts. PAY BILLS - Make one-time payments from anywhere and change or cancel pending payments you have entered through CentralMOBILE or CentralNET online banking. ACCESS TO ZELLE® – Provides a fast, safe and easy way to send money to those you know and trust.* Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Terms and conditions apply. *Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. Must have a bank account in the U.S. to use Zelle. In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle FIND LOCATIONS - Find nearby Central Bank branches and ATMs using the iPhone's built-in GPS. Additionally, you can search by Zip code or address. www.centralbank.com Central Bank & Trust Co. is a wholly owned subsidiary of Central Bancshares, Lexington, Kentucky.

Screenshots

Centra Mobile4 screens
CentralMOBILE4 screens

Verdict

The call

Centra Mobile and CentralMOBILE both sit at 4.9 stars, but that hides the real split: 81% of Centra Mobile's written reviews are positive against 36% of CentralMOBILE's. Centra Mobile also leads on update cadence (every 2 months vs every 3 months). On price, rating, ratings volume and ads 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

On the App Store both sit at effectively the same score — 4.9 for Centra Mobile against 4.8 for CentralMOBILE. Both are backed by a comparable volume of ratings — 11K and 4.3K respectively. Written reviews are what separate them: 81% of Centra Mobile's written reviews are positive against 36% of CentralMOBILE's.

UpkeepUpdate frequency

Centra Mobile ships an update every 2 months, CentralMOBILE every 3 months. The most recent releases landed on September 22, 2026 and September 24, 2026 respectively.

Scorecard2 real differences · 8 level
Centra Mobile versus CentralMOBILE: the parameters behind the verdict, then further details
ParameterCentra MobileCentralMOBILE
PriceFreeFree
Rating4.9 (11K ratings) — better4.8 (4.3K ratings)
Positive reviews80.7% of reviews — better36.1% of reviews
Number of ratings11K — better4.3K
Update frequencyEvery 2 months — betterEvery 3 months
AdsYesYes
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.115.0 — better
Further details — not scored
Size118 MB112 MB
Age rating4+4+
DeveloperCentra Credit UnionCENTRAL BANK & TRUST COMPANY

Customer experience

Centra Mobile

All ratings8,874 ratings
Positive98.1%
Neutral1.4%
Negative0.5%
Written reviews83 reviews
Positive80.7%
Neutral2.4%
Negative16.9%

CentralMOBILE

All ratings4,326 ratings
Positive95.2%
Neutral1.5%
Negative3.3%
Written reviews83 reviews
Positive36.1%
Neutral4.8%
Negative59.0%

User reviews

Centra Mobile

From 11K App Store ratings

What we love

  • 🚀 Fast and efficient
  • 👍 User-friendly and easy to navigate
  • 💳 Convenient banking features
  • 🔒 Secure and reliable
  • 💡 Great customer service

Room to improve

  • 🐛 Occasional crashes and freezes
  • 🔒 Strict security measures can be inconvenient
  • 💳 Limited functionality for loan payments
  • 🔍 Difficulty finding certain information

CentralMOBILE

From 4.3K App Store ratings

What we love

  • 👍 Helpful customer service
  • 💡 Useful mobile deposit feature
  • 🚀 Smooth app experience when working

Room to improve

  • 🐛 Frequent app crashes and login issues
  • ⚠️ Unreliable app performance and availability
  • 🔍 Lack of transparency around maintenance and downtime

Bugs and requests

Centra Mobile

Reported bugs

3 issues
  • Login issues after app update
  • Landscape mode and printing not working
  • Frequent disconnections of external accounts

Requested features

4 requests
  • Ability to pay extra on loan principal
  • Improved Zelle integration
  • More customization options
  • Expanded account linking capabilities

CentralMOBILE

Reported bugs

3 issues
  • App incompatibility with iOS 16
  • Persistent login and connectivity problems
  • Inconsistent Face ID/Touch ID functionality

Requested features

3 requests
  • Ability to view transaction details and receipts
  • Improved account management features
  • Seamless integration with newer iOS versions

In-app purchases

None

Centra Mobile

No in-app purchases

None

CentralMOBILE

No in-app purchases

Questions

Is Centra Mobile free?
Centra Mobile is free to download, with no in-app purchases.
Is CentralMOBILE free?
CentralMOBILE is free to download, with no in-app purchases.
Which has better reviews, Centra Mobile or CentralMOBILE?
Centra Mobile is rated higher. Centra Mobile averages 4.9 out of 5 from 11K ratings, while CentralMOBILE averages 4.8 from 4.3K ratings.
Do Centra Mobile or CentralMOBILE have ads?
Both Centra Mobile and CentralMOBILE show ads.
Which is updated more often, Centra Mobile or CentralMOBILE?
Centra Mobile ships an update every 2 months, and CentralMOBILE every 3 months. Most recently, Centra Mobile was updated on September 22, 2026 and CentralMOBILE on September 24, 2026.

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