Comparison

GAPS vs Stanbic IBTC Mobile 3.0

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

Head to head
About

GAPS

Manage your business finances on the go with real-time balance checks, transfers, bill payments, and check deposits. This secure platform offers 2-factor authentication for convenient and confident banking anytime, anywhere.

Highlights
  • Real-time balance checks
  • Inter-account transfers
  • Bill payments
  • Check deposits
  • Foreign currency transfers
  • Business loan applications
  • 2-factor authentication
Features
Read full description

Manage your business transactions anywhere, any time with the GAPS-Lite Mobile Banking App. You can check real-time balances, make transfers between your accounts, pay bills, approve bulk payment schedule, deposit checks and so much more on the app. It’s simple and convenient. Key features includes: --> Business on the go Log into your business account(s) anytime, anywhere, using only your password. --> Your Business finances, all in one place Check all your account balances, access business trends, perform foreign currency transfers, manage your cheques, apply for business loans, send account statements to your email or to an embassy of your choice, setup and manage standing orders, and more. --> Confidence in a secured platform Bank with confidence on the GAPS-Lite Mobile App with secured 2-factor authentication (2FA) system. --> Simple and secure set up - Install the app and enter your access code, username, and password. - Forgot your password? Reset it using “Forgot Password?” on the login page. - Choose your preferred verification method (Token or 4-digit PIN). - Start using the app immediately with your selected verification method. Enjoy a seamless and user-friendly interface designed to make your business banking convenient.

About

Stanbic IBTC Mobile 3.0

This comprehensive finance app allows users to manage banking, insurance, stocks, mutual funds, and pensions. It offers voice banking, an electronic wallet, and the ability to open an instant account or wallet without being an existing customer.

Highlights
  • Voice Banking
  • Insurance module
  • Stocks trading
  • Mutual Funds investing
  • Electronic wallet (@ease)
  • Pensions module
  • Instant account opening
Features
Read full description

The Stanbic IBTC super app is a true all-rounder. The 3.0 app empowers you to do the following: • Bank as quick as you speak. with Voice Banking. • Defend your treasures with the new Insurance module. • Trade like a legend with the new Stocks module. • Invest like a hero with the Mutual Funds module. • Enjoy Easy Banking with the electronic wallet - @ease. • Rescue tomorrow with the Pensions module. You do not have to be a customer of Stanbic IBTC to access and experience the new mobile app, you can open an instant account or an @ease wallet with the mobile app in minutes! Already a customer and forgot your password? Not to worry! The new and easy ‘forgot password’ feature will get you going in no time. What are you waiting for? Download the new Stanbic IBTC mobile app to activate power in your palms!

Screenshots

GAPS4 screens
Stanbic IBTC Mobile 3.02 screens

Verdict

The call

The clearest difference is rating: Stanbic IBTC Mobile 3.0 at 2.9 against GAPS's 1.7. Stanbic IBTC Mobile 3.0 also leads on review sentiment (13% vs 0%) and monetization model (free vs ad-supported). GAPS's advantage is update cadence (every 6 weeks vs every 3 months) and iOS requirement (13.0 vs 15.5). On price, ads, in-app purchases and device support 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

Stanbic IBTC Mobile 3.0 holds the better App Store score, 2.9 against 1.7. Both are backed by a comparable volume of ratings — 31 and 116 respectively. Written reviews point the same way: 0% of GAPS's written reviews are positive against 13% of Stanbic IBTC Mobile 3.0's.

UpkeepUpdate frequency

GAPS ships an update every 6 weeks, Stanbic IBTC Mobile 3.0 every 3 months. Both last shipped on October 24, 2026.

Scorecard6 real differences · 4 level
GAPS versus Stanbic IBTC Mobile 3.0: the parameters behind the verdict, then further details
ParameterGAPSStanbic IBTC Mobile 3.0
PriceFreeFree
Rating1.7 (31 ratings)2.9 (116 ratings) — better
Positive reviews0.0% of reviews12.7% of reviews — better
Number of ratings31116 — better
Update frequencyEvery 6 weeks — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationAd-supportedFree — better
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS13.0 — better15.5
Further details — not scored
Size67 MB185 MB
Age rating4+4+
DeveloperGuaranty Trust Bank PLCStanbic IBTC Holdings Plc

Customer experience

GAPS

All ratings30 ratings
Positive16.7%
Neutral3.3%
Negative80.0%
Written reviews11 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Stanbic IBTC Mobile 3.0

All ratings109 ratings
Positive39.4%
Neutral12.8%
Negative47.7%
Written reviews79 reviews
Positive12.7%
Neutral6.3%
Negative81.0%

In-app purchases

None

GAPS

No in-app purchases

None

Stanbic IBTC Mobile 3.0

No in-app purchases

Questions

Is GAPS free?
GAPS is free to download, with no in-app purchases.
Is Stanbic IBTC Mobile 3.0 free?
Stanbic IBTC Mobile 3.0 is free to download, with no in-app purchases.
Which has better reviews, GAPS or Stanbic IBTC Mobile 3.0?
Stanbic IBTC Mobile 3.0 is rated higher. GAPS averages 1.7 out of 5 from 31 ratings, while Stanbic IBTC Mobile 3.0 averages 2.9 from 116 ratings.
Do GAPS or Stanbic IBTC Mobile 3.0 have ads?
Neither GAPS nor Stanbic IBTC Mobile 3.0 shows ads.
Which is updated more often, GAPS or Stanbic IBTC Mobile 3.0?
GAPS ships an update every 6 weeks, and Stanbic IBTC Mobile 3.0 every 3 months. Most recently, GAPS was updated on October 24, 2026 and Stanbic IBTC Mobile 3.0 on October 24, 2026.

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