SC Mobile Nigeria vs Nirra
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
SC Mobile Nigeria
Manage your finances and perform banking transactions digitally from your mobile device. Open accounts, transfer funds, invest, and access various banking services conveniently. Enjoy a seamless banking experience without visiting a branch.
- Instant account opening
- Fund transfers
- Account management
- Wealth management products
- Card services
- Bill payments
- Loan and credit card applications (coming soon)
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Welcome to SC Mobile! You are about to start an amazing digital banking experience straight from your mobile phone. Download our app to open a Standard Chartered Bank account instantly. Enjoy mobile banking from the get go to transfer funds, manage your account and complete most of your service needs. Say goodbye to long queues and do your banking anywhere and everywhere. Be Unstoppable. Open an account in 5 minutes SC Mobile offers you a complete digital bank at your fingertips. Now you can open an Instant Account with Standard Chartered Bank in just 5 mins, and enjoy the convenience and benefits of banking with a world class financial institution. Upgrade your Account From an Instant Account, you can upgrade your account to Instant Plus Savings, Salary or Regular Savings to do more transactions. Furthermore, you will be able to open Current Account in Naira, USD or GBP with the Bank. Option to apply for mortgage, personal loans and credit cards are coming soon. Enjoy banking at no cost - No charge for all inter-bank local transfers - Zero SMS transaction charges - Free Gold Visa Debit/ATM card (first issuance) - Free card delivery to your mailing address anywhere in Nigeria - Zero cash withdrawal charge on any 3rd party ATM in Nigeria, regardless of the number of withdrawals Grow your wealth - Access our wide range of Wealth Management Products - Invest in Fixed Income, Mutual Funds and Treasury Bills online real-time - Buy, Sell and Track your portfolio anytime, anywhere - Enjoy high interest on your Savings accounts - Create a Fixed Deposits account right on your SC Mobile app - Get access to our latest market insights and take advantage of the market opportunities available - Get global diversification (both local and offshore investments) with best in class fund managers Be your own banker Digital banking with SC Mobile provides you with the great convenience of doing (almost) everything at your pace and comfort. Straight from the app you can; - Request for a card, block or replace it - Activate your debit/credit card, choose a PIN and reset PIN - Book fixed deposits - Order for cheque book and confirm cheques - Request for bankers’ draft - Make request for account statements - Request for Reference letters - Update personal information - And many more A complete view of your accounts and transact with ease SC Mobile allows you to see, move and manage your finances anytime, anywhere. You can transfer funds to accounts within Standard Chartered Bank and to other local and international destination accounts; Airtime top up; Data bundle subscription and other bill payments.
Nirra
Instantly send and receive money, shop with installment payments, and apply for loans. Manage your finances and lifestyle needs all in one place.
- Instant money transfers
- Installment shopping
- Loan applications
- Receive money
- Pay bills
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Send and receive money to anyone instantly, shop and pay installmentally or apply for a loan on Nirra.
Screenshots
Verdict
The clearest difference is rating: SC Mobile Nigeria at 3.0 against Nirra's 2.3. SC Mobile Nigeria also leads on review sentiment (18% vs 0%) and ratings volume (247 vs 16). Nirra's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, in-app purchases, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
SC Mobile Nigeria holds the better App Store score, 3.0 against 2.3. That said, the two scores are not equally well evidenced: SC Mobile Nigeria has 247 ratings behind it against 16, so its average is the more settled of the two. Written reviews point the same way: 18% of SC Mobile Nigeria's written reviews are positive against 0% of Nirra's.
SC Mobile Nigeria ships an update every 2 months, Nirra every 2 weeks. The most recent releases landed on October 23, 2026 and October 24, 2026 respectively.
| Parameter | SC Mobile Nigeria | Nirra |
|---|---|---|
| Price | Free | Free |
| Rating | 3.0 (247 ratings) — better | 2.3 (16 ratings) |
| Positive reviews | 18.2% of reviews — better | 0.0% of reviews |
| Number of ratings | 247 — better | 16 |
| Update frequency | Every 2 months | Every 2 weeks — better |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 14.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 177 MB | 23 MB |
| Age rating | 4+ | 4+ |
| Developer | Standard Chartered Bank | Liberta Leasing Limited |
Customer experience
SC Mobile Nigeria
Nirra
Bugs and requests
SC Mobile Nigeria
Reported bugs
4 issues- Broken pages and unresponsive features
- Compatibility issues with newer iOS versions
- Repeated requests to re-register the app
- Crashes and login problems
Requested features
4 requests- Add search functionality for banks and saved beneficiaries
- Implement downloadable transaction receipts
- Introduce dark mode option for better accessibility
- Improve overall user interface and experience
Nirra
Not enough reviews yet to summarise bugs or requests.
In-app purchases
SC Mobile Nigeria
No in-app purchases
Nirra
No in-app purchases
