Comparison

Cleva App 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

Cleva App

Manage your money globally with this app. Send and receive funds internationally, hold USD, and spend online with a virtual card. Earn rewards and refer friends for extra benefits.

Highlights
  • Send money internationally
  • Receive USD payments
  • Receive stablecoins
  • Convert currencies
  • Virtual USD card
  • Hold funds in USD
  • Earn Cleva Points
Features
Read full description

On Cleva, your money has no boundaries. Here’s why over 1M people trust Cleva: 1. Swift onboarding 2. Competitive exchange rates 3. Transparent pricing, no hidden or monthly fees 4. Fast, reliable, and secure experience Send money across borders Instantly transfer to family and friends in Nigeria, Ghana, Uganda, and other African countries. Just add a destination bank or mobile money account, verify the account details, initiate your transfer, and watch the money get delivered immediately. Receive USD payments Whether you’re a freelancer, remote worker, content creator, or entrepreneur, receive ACH and Wires from your employer and clients without hassle. Receive stablecoins with ease Receive USDT or USDC into your Cleva wallet in minutes, giving you more ways to fund and grow your money. Transfer to friends on Cleva Instantly transfer to your friends on Cleva for FREE. Convert at the best rates Instantly convert currencies at very competitive exchange rates. Even better, there are no fees to convert, it’s completely FREE. Spend globally with a virtual USD card Pay for international subscriptions, shop online, or make global payments easily with your Cleva USD card. Protect your money from volatility Save and hold your funds in USD. Exchange only when you want to, at the best rates. Earn and redeem Cleva Points Get rewarded every time you transact! Earn points when you transfer or receive a deposit, then redeem your points for USD and more. Refer and earn Invite your friends and earn when they transact on Cleva. The more friends you refer, the more you earn, and you can keep earning infinitely. 24/7 Support Cleva is always available to assist 24/7 whenever you need assistance. You can reach us via in-app chat or email at contact@getcleva.com. You can also reach us on our social media channels: Twitter: @clevabanking Instagram: @clevabanking Linkedin: @cleva-banking [:mav: 2.4.5]

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

Cleva App4 screens
Stanbic IBTC Mobile 3.02 screens

Verdict

The call

The clearest difference is review sentiment: Cleva App at 59% against Stanbic IBTC Mobile 3.0's 13%. Cleva App also leads on rating (4.7 vs 2.9) and update cadence (every 9 days vs every 3 months). On price, ads, in-app purchases and monetization model 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

Cleva App holds the better App Store score, 4.7 against 2.9. That said, the two scores are not equally well evidenced: Cleva App has 1.5K ratings behind it against 116, so its average is the more settled of the two. Written reviews point the same way: 59% of Cleva App's written reviews are positive against 13% of Stanbic IBTC Mobile 3.0's.

UpkeepUpdate frequency

Cleva App ships an update every 9 days, Stanbic IBTC Mobile 3.0 every 3 months. Both last shipped on October 30, 2026.

Scorecard4 real differences · 6 level
Cleva App versus Stanbic IBTC Mobile 3.0: the parameters behind the verdict, then further details
ParameterCleva AppStanbic IBTC Mobile 3.0
PriceFreeFree
Rating4.7 (1.5K ratings) — better2.9 (116 ratings)
Positive reviews59.2% of reviews — better12.7% of reviews
Number of ratings1.5K — better116
Update frequencyEvery 9 days — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15 — better15.5
Further details — not scored
Size220 MB185 MB
Age rating4+4+
DeveloperCleva Technologies, Inc.Stanbic IBTC Holdings Plc

Customer experience

Cleva App

All ratings1,531 ratings
Positive91.4%
Neutral3.1%
Negative5.6%
Written reviews98 reviews
Positive59.2%
Neutral6.1%
Negative34.7%

Stanbic IBTC Mobile 3.0

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

Bugs and requests

Cleva App

Reported bugs

3 issues
  • Rejected transactions with new bank partner
  • Delayed or missing fund transfers
  • Inability to access old account numbers

Requested features

4 requests
  • Reinstate Wells Fargo bank integration
  • Add support for international wire transfers
  • Introduce push notifications for account credits
  • Enable withdrawal from virtual cards

Stanbic IBTC Mobile 3.0

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Cleva App

No in-app purchases

None

Stanbic IBTC Mobile 3.0

No in-app purchases

Questions

Is Cleva App free?
Cleva App 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, Cleva App or Stanbic IBTC Mobile 3.0?
Cleva App is rated higher. Cleva App averages 4.7 out of 5 from 1.5K ratings, while Stanbic IBTC Mobile 3.0 averages 2.9 from 116 ratings.
Do Cleva App or Stanbic IBTC Mobile 3.0 have ads?
Neither Cleva App nor Stanbic IBTC Mobile 3.0 shows ads.
Which is updated more often, Cleva App or Stanbic IBTC Mobile 3.0?
Cleva App ships an update every 9 days, and Stanbic IBTC Mobile 3.0 every 3 months. Most recently, Cleva App was updated on October 30, 2026 and Stanbic IBTC Mobile 3.0 on October 30, 2026.

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