SC Mobile Ghana vs FlexiPAY App
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
SC Mobile Ghana
Manage your finances and perform a wide range of banking services from your mobile device. Open new accounts, transfer funds locally and internationally, pay bills, and manage investments. Enjoy the convenience of banking anytime, anywhere, without visiting a branch.
- Open Current, Savings Plus, or Fixed Deposit accounts
- Transfer funds locally and internationally
- Purchase airtime and data bundles
- Pay utility bills and subscriptions
- Buy, sell, and track investment portfolios
- Access market insights and global diversification
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Welcome to SC Mobile Ghana. With SC Mobile, you are about to start an amazing banking experience. From the comfort of your mobile, you can open an account, transfer funds or access and complete most of the service needs that would typically require you to visit a branch. Say goodbye to long queues and do your banking anywhere and everywhere. Open an account With SC Mobile, you have the power of banking in your palm. It only takes up to 15 minutes to open a Current, Savings Plus or Fixed Deposit account. SC Mobile offers you all the benefits of owning these account types which are available in multiple currencies. Do not worry if you are unable to complete your application in one go. You can Save and Resume your application at any time. Get 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. What’s more, you can use your SC Mobile for other daily transactions such as airtime and data bundle purchases, mobile money transfers and other utility payments including DSTV subscriptions, ECG and Ghana Water bills. Access our Wealth Management proposition ü You will also be able to BUY, SELL and TRACK YOUR PORTFOLIO anytime, anywhere with our online fixed income and mutual fund platform. Invest in GHS, USD and other major currencies ü Get access to our latest market insights and take advantage of the market opportunities available ü Get global diversification (both local and offshore investments) with best in class fund managers Services at your fingertips SC Mobile enables you to execute and track progress of a majority of services available in our banking halls. Avoid the queues and enjoy the convenience of banking everywhere. SC Mobile certainly gives you more time to do the things you love and not to worry about banking.
FlexiPAY App
This platform offers a secure and convenient way to manage your finances. Easily send money, pay bills, and purchase airtime. Perform a variety of other essential transactions with ease.
- Send money
- Pay bills
- Buy airtime
- Value added services
- Secure transactions
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FlexiPAY App is a secure and convenient value added service platform. Send money, pay bills, buy airtime and perform other exciting transactions.
Screenshots
Verdict
The clearest difference is rating: SC Mobile Ghana at 3.7 against FlexiPAY App's 2.8. SC Mobile Ghana also leads on review sentiment (30% vs 13%) and ratings volume (147 vs 22). FlexiPAY App's advantage is ads (none vs shown). On price, update cadence, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
SC Mobile Ghana holds the better App Store score, 3.7 against 2.8. That said, the two scores are not equally well evidenced: SC Mobile Ghana has 147 ratings behind it against 22, so its average is the more settled of the two. Written reviews point the same way: 30% of SC Mobile Ghana's written reviews are positive against 13% of FlexiPAY App's.
SC Mobile Ghana ships an update every 6 weeks, FlexiPAY App every 5 weeks. The most recent releases landed on October 23, 2026 and October 22, 2026 respectively.
| Parameter | SC Mobile Ghana | FlexiPAY App |
|---|---|---|
| Price | Free | Free |
| Rating | 3.7 (147 ratings) — better | 2.8 (22 ratings) |
| Positive reviews | 30.2% of reviews — better | 12.5% of reviews |
| Number of ratings | 147 — better | 22 |
| Update frequency | Every 6 weeks | Every 5 weeks — better |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 14.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 154 MB | 109 MB |
| Age rating | 4+ | 4+ |
| Developer | Standard Chartered Bank | Flexipay Team |
Customer experience
SC Mobile Ghana
FlexiPAY App
Bugs and requests
SC Mobile Ghana
Reported bugs
22 issues- App crashes when opened on Starlink internet
- App crashes during verification process
- App asks for upgrade but no update available
- Difficulty receiving OTP for transactions
- Transfers from account to Mobile Money failing ('Billers not available')
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- App not working on iPhone 14 Pro Max
- App exits automatically when opened
- App not working after an update
- App crashes unexpectedly after login/logout
- Cannot open an account ('oops we are fixing whatever')
- Cannot download loan application form
- Password and PIN not recognized after multiple resets
- Account activation problems
- Cannot create online login with debit card
- Adverts/commercials overlay app interface
- Setting up profile results in challenges with no clear error message
- Customer service unable to understand app reference numbers
- Fingerprint login not working
- Touch ID stopped working after update
- Face ID login not working after update
- Register with temporary PIN/SMS option not working
- App doesn't connect on iPhone
Requested features
8 requests- Simplify app interface
- Maximize menu button size on iPhone
- Fix back button size
- Improve visibility of transactions (in/out)
- Fix loan application form download
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- Add dark mode option
- Improve account menu design
- Fix time zone issue for statements
FlexiPAY App
Not enough reviews yet to summarise bugs or requests.
In-app purchases
SC Mobile Ghana
No in-app purchases
FlexiPAY App
No in-app purchases
Questions
Is SC Mobile Ghana free?
Is FlexiPAY App free?
Which has better reviews, SC Mobile Ghana or FlexiPAY App?
Do SC Mobile Ghana or FlexiPAY App have ads?
Which is updated more often, SC Mobile Ghana or FlexiPAY App?
Other comparisons
