Stanbic IBTC Mobile 3.0 vs Flex Token
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Voice Banking
- Insurance module
- Stocks trading
- Mutual Funds investing
- Electronic wallet (@ease)
- Pensions module
- Instant account opening
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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!
Flex Token
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Flex Token app is a mobile application that generates time-based one-time passcodes (TOTPs) for secure, two-factor authentication (2FA). It enhances account security by requiring users to enter a code from the app in addition to their password, making it much harder for unauthorized users to gain access to accounts.
Screenshots
Verdict
The clearest difference is ads: Stanbic IBTC Mobile 3.0 at none against Flex Token's shown. Flex Token's advantage is update cadence (weekly vs every 3 months) and iOS requirement (12.0 vs 15.5). On price, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Stanbic IBTC Mobile 3.0 ships an update every 3 months, Flex Token weekly. The most recent releases landed on September 19, 2026 and September 14, 2026 respectively.
| Parameter | Stanbic IBTC Mobile 3.0 | Flex Token |
|---|---|---|
| Price | Free | Free |
| Rating | 2.9 (109 ratings) — better | — |
| Positive reviews | 12.7% of reviews | — |
| Number of ratings | 109 — better | — |
| Update frequency | Every 3 months | Weekly — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.5 | 12.0 — better |
| Further details — not scored | ||
| Size | 185 MB | 34 MB |
| Age rating | 4+ | 4+ |
| Developer | Stanbic IBTC Holdings Plc | AB Microfinance Bank Nigeria Limited |
In-app purchases
Stanbic IBTC Mobile 3.0
No in-app purchases
Flex Token
No in-app purchases
Questions
Is Stanbic IBTC Mobile 3.0 free?
Is Flex Token free?
Do Stanbic IBTC Mobile 3.0 or Flex Token have ads?
Which is updated more often, Stanbic IBTC Mobile 3.0 or Flex Token?
Other comparisons
