Comparison

DFCU Mobile vs DivDat Mobile Payments App

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

Head to head
About

DFCU Mobile

Manage your financial accounts securely and conveniently on the go. Access balances, deposit checks, transfer funds, pay bills, and communicate with your bank. Enjoy features like mobile deposit, eDocuments, and customizable alerts for important account information.

Highlights
  • 24/7 account access
  • Check account balances
  • Deposit checks
  • Transfer funds
  • Pay bills
  • Mobile deposit
  • Secure messaging
Features
Read full description

DFCU Mobile™ puts 24/7 account access in the palm of your hand. Use DFCU mobile to easily and securely manage your DFCU Financial accounts anytime, anywhere. Check your account balances, deposit checks, transfer funds, pay bills, find the nearest branch location and more. You must be enrolled in DFCU Online to use this app. To enroll, launch the app and choose “New Enrollment” (located below the Log In button). DFCU Mobile provides: •A consistent, intuitive and secure experience. •Access to your account balances and history. •Funds Transfers between your accounts and those of other DFCU Online users. •Mobile Deposit. •Expanded eDocuments Center including statements from as far back as 7 years. •Messaging which allows you to securely communicate with us electronically. •Customized alerts you can set to notify you by text, email, and phone about important account information. •Touch authentication for Touch ID-enabled Apple iOS devices. •Face ID authentication for Face ID-enabled Apple iOS devices. •Faster log-in through your updated app.

About

DivDat Mobile Payments App

Pay local bills conveniently from your phone. Add municipalities, utilities, and more to a single platform. Supports credit card, debit card, check, and cash payments via kiosks.

Highlights
  • Add local billers
  • Multiple payment methods
  • Payment reminders
  • Auto-Pay option
  • QR code for kiosk use
  • Text-to-Pay option
  • Historical payment tracking
Features
Read full description

DivDat’s Mobile App brings the same convenience as our Bill Payment Kiosks to users 24/7/365 on-the-go. Users can quickly create a profile, then add local area billers like municipalities, county treasurers’ offices, local utility companies, and other essential billers in the area to one convenient mobile payments platform. Pay with credit card, debit card, personal check, or even cash, in conjunction with DivDat’s Bill Payment Kiosk. Free to download and use, transaction fees and partial payment capabilities are biller-specific. FEATURES INCLUDE: - User profile-driven saved accounts, billers, and payment methods - Standardized, simple-to-use, secure payment workflow - App presents local area DivDat Payment Network billers, so consumers can add repeat billers and accounts to their payment profiles for increased convenience in account look-ups and repeat payments - Accepts payments made by credit cards, PIN-less debit cards, and personal and business checks (which convert to ACH for processing) - User-specific scannable QR Code for use in conjunction with the DivDat Bill Payment Kiosks for quick and easy account look-ups - Configurable payment reminders alert users to bills coming due, as the due date approaches, as payments become past due, or as users geographically approach a DivDat Bill Payment Kiosk (with turn-by-turn directions) - Opt into our DivDat’s convenient and secure Auto-Pay option - Users receive receipts via text message or email, immediately following payment, and can view historical payment detail at any time - NEW FEATURE: Opt-in to Text-to-Pay and enjoy ultimate payments efficiency, on the go Here’s how it works: Add the repeat billers you need to pay. Then, add your associated accounts, like taxes, water bills, electricity bills, and more. Set payment reminders or sign-up for Auto Pay and never miss a scheduled payment again. NEW FEATURE: Now, you can opt-in to Text-to-Pay, and pay bills as they come due in three simple steps! Other features include historical payment look-up, queryable across kiosk and mobile transactions and turn-by-turn directions to the nearest DivDat kiosk, and a bar code scanner to scan and find/return their accounts at the kiosk, for those who chose to pay with cash. No more paper statements, address or account numbers to type in. Available on the App Store for iOS, DivDat’s Mobile App is free to download and easy to use. Download it today!

Screenshots

DFCU Mobile4 screens
DivDat Mobile Payments App4 screens

Verdict

The call

DFCU Mobile and DivDat Mobile Payments App both sit at 4.6 stars, but that hides the real split: 82% of DFCU Mobile's written reviews are positive against 41% of DivDat Mobile Payments App's. DivDat Mobile Payments App's advantage is ads (none vs shown) and iOS requirement (11.0 vs 16.0). On price, rating, ratings volume and update cadence 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

DivDat Mobile Payments App holds the better App Store score, 4.8 against 4.6. Both are backed by a comparable volume of ratings — 6.7K and 4.1K respectively. Written reviews complicate that: 82% of DFCU Mobile's written reviews are positive against 41% of DivDat Mobile Payments App's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

DFCU Mobile ships an update every 6 months, DivDat Mobile Payments App every 3 months. Both last shipped on September 27, 2026.

Scorecard3 real differences · 7 level
DFCU Mobile versus DivDat Mobile Payments App: the parameters behind the verdict, then further details
ParameterDFCU MobileDivDat Mobile Payments App
PriceFreeFree
Rating4.6 (6.7K ratings)4.8 (4.1K ratings) — better
Positive reviews82.2% of reviews — better41.2% of reviews
Number of ratings6.7K — better4.1K
Update frequencyEvery 6 monthsEvery 3 months — better
AdsYesNo — better
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.011.0 — better
Further details — not scored
Size104 MB23 MB
Age rating4+4+
DeveloperDFCU FinancialDivDat

Customer experience

DFCU Mobile

All ratings6,341 ratings
Positive91.8%
Neutral2.8%
Negative5.4%
Written reviews477 reviews
Positive82.2%
Neutral5.7%
Negative12.2%

DivDat Mobile Payments App

All ratings4,134 ratings
Positive96.3%
Neutral1.8%
Negative1.9%
Written reviews68 reviews
Positive41.2%
Neutral4.4%
Negative54.4%

User reviews

DFCU Mobile

From 6.7K App Store ratings

What we love

  • 👍 Easy to use
  • 🚀 Convenient mobile banking
  • 🔒 Secure app
  • 💡 Useful features like mobile deposit
  • 👍 Intuitive and straightforward navigation

Room to improve

  • 🐛 Occasional app crashes or freezes
  • 🐛 Issues with mobile deposit functionality
  • 🐛 Inconsistent login experience (sometimes requires re-registration)
  • 🐛 Limited visibility of account details and pending transactions
  • 🐛 Confusing or cumbersome bill pay process

DivDat Mobile Payments App

From 4.1K App Store ratings

What we love

  • 👍 Convenient and easy to use
  • 💡 Streamlined and always accessible
  • 👍 User-friendly design
  • 👍 Saves time
  • 👍 Excellent tech support

Room to improve

  • 🐛 Slow performance and errors
  • 🐛 Payment processing issues
  • 🐛 Unreliable app functionality
  • 💰 Excessive service fees
  • 🐛 Inconsistent account/bill display

Bugs and requests

DFCU Mobile

Reported bugs

4 issues
  • Login screen freezes
  • Incompatibility with older devices
  • Inconsistent mobile deposit success rates
  • Inability to view or agree to paperless billing terms within the app

Requested features

5 requests
  • Dark mode option
  • More detailed account information and transaction history
  • Improved bill pay functionality and user interface
  • Ability to link multiple accounts for easier management
  • Integration with popular money management tools

DivDat Mobile Payments App

Reported bugs

4 issues
  • App crashes when entering phone number
  • Inaccurate bill amounts displayed
  • Inability to find/link accounts
  • Payments not properly recorded

Requested features

4 requests
  • Ability to delete planned payments
  • Support for all payment methods
  • Improved error messaging
  • Integration with city water/tax portals

In-app purchases

None

DFCU Mobile

No in-app purchases

None

DivDat Mobile Payments App

No in-app purchases

Questions

Is DFCU Mobile free?
DFCU Mobile is free to download, with no in-app purchases.
Is DivDat Mobile Payments App free?
DivDat Mobile Payments App is free to download, with no in-app purchases.
Which has better reviews, DFCU Mobile or DivDat Mobile Payments App?
DivDat Mobile Payments App is rated higher. DFCU Mobile averages 4.6 out of 5 from 6.7K ratings, while DivDat Mobile Payments App averages 4.8 from 4.1K ratings.
Do DFCU Mobile or DivDat Mobile Payments App have ads?
DFCU Mobile shows ads; DivDat Mobile Payments App does not.
Which is updated more often, DFCU Mobile or DivDat Mobile Payments App?
DFCU Mobile ships an update every 6 months, and DivDat Mobile Payments App every 3 months. Most recently, DFCU Mobile was updated on September 27, 2026 and DivDat Mobile Payments App on September 27, 2026.

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