# Cleva App vs Stanbic IBTC Mobile 3.0

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.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

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.

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

## The numbers

| Metric | Cleva App | Stanbic IBTC Mobile 3.0 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (1.5K ratings)](https://appshunter.io/ios/app/cleva-app/id6473619732/reviews)** | [2.9 (116 ratings)](https://appshunter.io/ios/app/stanbic-ibtc-mobile-30/id6477922208/reviews) |
| Number of ratings | **1.5K** | 116 |
| Positive reviews | **59.2% of reviews** | 12.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 9 days** | Every 3 months |
| Monetization | Free | Free |
| Size | 220 MB | 185 MB |
| Requires iOS | **15** | 15.5 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Cleva Technologies, Inc.](https://appshunter.io/developer/1719266520) | [Stanbic IBTC Holdings Plc](https://appshunter.io/developer/1167007239) |

## What reviewers say

### Cleva App

[App page](https://appshunter.io/ios/app/cleva-app/id6473619732)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and easy to use
- 👍 User-friendly interface
- 💰 Reliable for international payments
- 🤝 Good customer service

**What reviewers complain about**

- 🐛 Payment issues and delays
- 🔄 Frequent app updates causing frustration
- 🔒 Concerns about security and account access

**Reported bugs**

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

**Requested features**

- 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

[App page](https://appshunter.io/ios/app/stanbic-ibtc-mobile-30/id6477922208)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*