Comparison

SC Mobile Ghana vs XCel App.

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • 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
Features
Read full description

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.

About

XCel App.

Manage your finances with this app. Open an account, send and receive money, pay bills, and buy virtual top-ups instantly. All transactions are secured and come with immediate notifications.

Highlights
  • Secure account opening
  • Send and receive transfers
  • Pay bills
  • Buy virtual top-up
  • Instant transaction notifications
Features
Read full description

Xcel is the financial solution designed for your everyday needs. Open an account securely in minutes and start transacting! With Xcel, get instant notifications on all your transactions when you: • Send and receive transfers using our app. • Pay bills for yourself and your loved ones and • Buy virtual top-up (VTU), All these are made possible at the tap of a button!

Screenshots

SC Mobile Ghana4 screens
XCel App.4 screens

Verdict

The call

The clearest difference is ads: XCel App. at none against SC Mobile Ghana's shown. XCel App. also leads on update cadence (every 9 days vs every 6 weeks). SC Mobile Ghana's advantage is rating (3.7 vs 3.4) and ratings volume (147 vs 7). On price, review sentiment, 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

SC Mobile Ghana holds the better App Store score, 3.7 against 3.4. That said, the two scores are not equally well evidenced: SC Mobile Ghana has 147 ratings behind it against 7, so its average is the more settled of the two. Written reviews split almost evenly too, at 30% and 29% positive.

UpkeepUpdate frequency

SC Mobile Ghana ships an update every 6 weeks, XCel App. every 9 days. The most recent releases landed on October 23, 2026 and October 24, 2026 respectively.

Scorecard6 real differences · 4 level
SC Mobile Ghana versus XCel App.: the parameters behind the verdict, then further details
ParameterSC Mobile GhanaXCel App.
PriceFreeFree
Rating3.7 (147 ratings) — better3.4 (7 ratings)
Positive reviews30.2% of reviews — better29.4% of reviews
Number of ratings147 — better7
Update frequencyEvery 6 weeksEvery 9 days — better
AdsYesNo — better
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS14.0 — better16.6
Further details — not scored
Size154 MB137 MB
Age rating4+4+
DeveloperStandard Chartered BankXCel INC

Customer experience

SC Mobile Ghana

All ratings147 ratings
Positive66.0%
Neutral9.5%
Negative24.5%
Written reviews43 reviews
Positive30.2%
Neutral14.0%
Negative55.8%

XCel App.

All ratings7 ratings
Positive57.1%
Neutral0.0%
Negative42.9%
Written reviews17 reviews
Positive29.4%
Neutral5.9%
Negative64.7%

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')
Show 17 more
  • 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
Show 3 more
  • Add dark mode option
  • Improve account menu design
  • Fix time zone issue for statements

XCel App.

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

SC Mobile Ghana

No in-app purchases

None

XCel App.

No in-app purchases

Questions

Is SC Mobile Ghana free?
SC Mobile Ghana is free to download, with no in-app purchases.
Is XCel App. free?
XCel App. is free to download, with no in-app purchases.
Which has better reviews, SC Mobile Ghana or XCel App.?
SC Mobile Ghana is rated higher. SC Mobile Ghana averages 3.7 out of 5 from 147 ratings, while XCel App. averages 3.4 from 7 ratings.
Do SC Mobile Ghana or XCel App. have ads?
SC Mobile Ghana shows ads; XCel App. does not.
Which is updated more often, SC Mobile Ghana or XCel App.?
SC Mobile Ghana ships an update every 6 weeks, and XCel App. every 9 days. Most recently, SC Mobile Ghana was updated on October 23, 2026 and XCel App. on October 24, 2026.

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