# Stanbic IBTC Mobile 3.0 vs Flex Token

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.

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.

## The numbers

| Metric | Stanbic IBTC Mobile 3.0 | Flex Token |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.9 (109 ratings)](https://appshunter.io/ios/app/stanbic-ibtc-mobile-30/id6477922208/reviews)** | — |
| Number of ratings | **109** | — |
| Positive reviews | 12.7% of reviews | — |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 3 months | **Weekly** |
| Monetization | Free | — |
| Size | 185 MB | 34 MB |
| Requires iOS | 15.5 | **12.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Stanbic IBTC Holdings Plc](https://appshunter.io/developer/1167007239) | [AB Microfinance Bank Nigeria Limited](https://appshunter.io/developer/1655152276) |

## What reviewers say

### 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


### Flex Token

[App page](https://appshunter.io/ios/app/flex-token/id6642653566)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Stanbic IBTC Mobile 3.0 free?

Stanbic IBTC Mobile 3.0 is free to download, with no in-app purchases.

### Is Flex Token free?

Flex Token is free to download, with no in-app purchases.

### Do Stanbic IBTC Mobile 3.0 or Flex Token have ads?

Flex Token shows ads; Stanbic IBTC Mobile 3.0 does not.

### Which is updated more often, Stanbic IBTC Mobile 3.0 or Flex Token?

Stanbic IBTC Mobile 3.0 ships an update every 3 months, and Flex Token weekly. Most recently, Stanbic IBTC Mobile 3.0 was updated on September 19, 2026 and Flex Token on September 14, 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.*