Comparison

SC Mobile Pakistan vs Xpense

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

Head to head
About

SC Mobile Pakistan

Manage your banking needs on the go with a secure and user-friendly mobile app. Access account statements, transfer funds, pay bills, and manage your cards effortlessly. Open new accounts and locate ATMs or branches with ease.

Highlights
  • Real-time account balances and transaction access
  • Secure login with Touch/Face ID
  • Instant fund transfers and bill payments
  • Credit and debit card management
  • New account and product applications
  • ATM and branch locator
Features
Read full description

About SC Mobile: The new and improved SC mobile app offers a fast, secure, and user-friendly mobile banking experience, designed to take care of its customers banking needs on the go anytime, anywhere ! Indulge in effortless app interface to get customized alerts, quick access to statements, dashboards, cards management, making online bank transfers & much more. Prime features & services: Home with Glance: With just one swipe, get access to all your financial transactions. Transfer funds, pay bills, manage your accounts and cards from the home screen, view account balances in real-time and much more! Fast, Secure & Easy Access: Enhances digital security enables you to login with touch/face ID without the need of PIN or password New modern look and feel with simplified navigation and faster loading times so that banking becomes a quick and easy experience. QR Pay: Make the best of the QR pay for quick & easy payments at merchant Hassel-free Payment: Transfer funds instantly between your SC account or other accounts by selecting Local Transfer & other payment methods; Add beneficiary at ease and transfer funds without registering a beneficiary (RAAST). Manage Cards Easily: Apply for a credit card right from the app, pay credit card bills & even block/hotlist credit or debit card. All Products under one roof: Enjoy the convenience of digital banking at your fingertips, open & apply for Cards, Accounts, Fixed Deposits & term Deposits and other product offerings in the market without any hassle. Effortless & Convenient Bill Payments: Pay utility bills, Credit Card bills, Electricity bills, Insurance bill & Mobile bills & pay for recharge, instantly. Even set up scheduled funds transfer and set standing orders so you don’t miss any payment. Insta Account Opening: Non-SC Bank customers can now Open an account in a few simple steps. Download the app and click on open an account today! And SC Bank customers can apply for product of their choice with their data pre-filled for the convenience of easy application submission. Locate us: Locate nearest Standard Chartered ATM or Branch by just over a click Other Services: Our new services on SC Mobile App allow you to bank on your fingertips without having to visit a branch or calling the client centre. Register for SC Mobile today and enjoy unlimited convenience. Learn more on the new release: ^ Order a Cheque Book & Activate – You can order a cheque book through SC Mobile and receive at your mailing address. You can also activate your cheque book through the app. ^ Stop Cheque – You can instantly stop your cheques , single or multiple, or the entire cheque book through the app. We strive to keep your finances safe and secure. ^ Manage Debit Card – Control your card usage at your convenience. Choose yourself to enable/disable channels or increase/decrease your limits – all in just a few taps. ^ Debit Card issuance – order a new card or replace damaged card on your fingertips ^ Credit Card Block and Replacement – Credit Card lost or stolen? You can now block your Credit Card instantly and get it replaced through the app. ^ Signature Capture – New to bank? Want to update your signature? You can add or update your signature for all your accounts through the app. ^ Pay Order – Request for Pay Order through SC Mobile App, save yourself a trip to branch. ^ Bank Certificates – Request for Account maintenance, Withholding tax, PRC certificates from SC Mobile App & receive at your email address!

About

Xpense

Features
Read full description

Xpense is a beautiful expense tracker and budget planner designed to help you take control of your money without the complexity of traditional finance apps. Track expenses, manage budgets, monitor income, and understand your spending habits with a clean and intuitive experience built for everyday use. Whether you're budgeting for your household, tracking personal spending, managing travel expenses, or simply trying to save more money, Xpense makes personal finance simple. Adding transactions is fast and effortless. Record expenses and income in seconds, organize them into custom categories, and keep a complete history of every transaction. From groceries and bills to shopping and entertainment, everything stays organized and easy to find. One of Xpense's standout features is its beautiful calendar view. Instantly see your expenses and income displayed throughout the month, making it easy to understand where your money is going and identify spending patterns at a glance. Create multiple budgets for different goals and track your progress with clear visual charts. Monitor spending, compare it against your budget, and stay informed about your financial health with simple yet powerful insights. Customize the app to fit your lifestyle by creating your own categories with colors, icons, and emojis. Whether you're tracking personal expenses, business spending, travel costs, or family finances, Xpense adapts to the way you manage money. Features: • Expense tracker and spending log • Budget planner and budget tracker • Income tracking • Beautiful calendar view • Custom categories and icons • Visual spending reports and charts • Multiple budgets • Complete transaction history • Offline support • Private and secure • Fast transaction entry • Clean and modern design Privacy comes first. Xpense does not connect to your bank accounts and does not require sharing sensitive financial information. Your financial data stays under your control. Whether you're looking for an expense manager, money manager, spending tracker, budget app, or personal finance companion, Xpense gives you the tools you need to build better financial habits and make smarter money decisions. Download Xpense today and start tracking your expenses with confidence. Privacy Policy: https://xpense.download/privacy-policy

Screenshots

SC Mobile Pakistan4 screens
Xpense4 screens

Verdict

The call

The clearest difference is in-app purchases: SC Mobile Pakistan at none against Xpense's 2. Xpense's advantage is update cadence (weekly vs every 6 weeks). On price, ads, device support and iOS requirement 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. Xpense sells 2 in-app purchases, starting at $3.99 per month. SC Mobile Pakistan asks for nothing beyond the download.

UpkeepUpdate frequency

SC Mobile Pakistan ships an update every 6 weeks, Xpense weekly. The most recent releases landed on October 26, 2026 and October 9, 2026 respectively.

Scorecard2 real differences · 8 level
SC Mobile Pakistan versus Xpense: the parameters behind the verdict, then further details
ParameterSC Mobile PakistanXpense
PriceFreeFree
Rating4.7 (3K ratings) — better—
Positive reviews40.4% of reviews—
Number of ratings3K — better—
Update frequencyEvery 6 weeksWeekly — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS14.013.0 — better
Further details — not scored
Size184 MB101 MB
Age rating4+4+
DeveloperStandard Chartered BankZohaib Aslam

Bugs and requests

SC Mobile Pakistan

Reported bugs

4 issues
  • App not working on iPhone 6 Plus and newer devices
  • Face ID and Touch ID not functioning properly
  • Transactions failing randomly with error codes
  • Inability to view payment history

Requested features

5 requests
  • Add payee by account number or mobile number
  • Implement dark mode
  • Improve search functionality for payees
  • Provide real-time transaction notifications
  • Allow deleting of unwanted payees

Xpense

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

SC Mobile Pakistan

No in-app purchases

2 purchases

Xpense

Subscriptions2
  • Premium Monthly$3.991 Month
  • Premium Yearly$19.991 Year

Questions

Is SC Mobile Pakistan free?
SC Mobile Pakistan is free to download, with no in-app purchases.
Is Xpense free?
Xpense is free to download, with in-app purchases available.
Do SC Mobile Pakistan or Xpense have ads?
Neither SC Mobile Pakistan nor Xpense shows ads.
Which is updated more often, SC Mobile Pakistan or Xpense?
SC Mobile Pakistan ships an update every 6 weeks, and Xpense weekly. Most recently, SC Mobile Pakistan was updated on October 26, 2026 and Xpense on October 9, 2026.

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