# SC Mobile Ghana vs XCel App.

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.

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 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.

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.

## The numbers

| Metric | SC Mobile Ghana | XCel App. |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.7 (147 ratings)](https://appshunter.io/ios/app/sc-mobile-ghana/id695428512/reviews)** | [3.4 (7 ratings)](https://appshunter.io/ios/app/xcel-app/id1506145493/reviews) |
| Number of ratings | **147** | 7 |
| Positive reviews | **30.2% of reviews** | 29.4% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 6 weeks | **Every 9 days** |
| Monetization | Free | Free |
| Size | 154 MB | 137 MB |
| Requires iOS | **14.0** | 16.6 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Standard Chartered Bank](https://appshunter.io/developer/367337301) | [XCel INC](https://appshunter.io/developer/1506145492) |

## What reviewers say

### SC Mobile Ghana

[App page](https://appshunter.io/ios/app/sc-mobile-ghana/id695428512)

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:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🔥 Smooth performance (Stephen Asamoah)
- 🚀 Innovation in digital banking (vhtmusah)
- 💡 Great banking assistant (K. Agyeman)
- 👍 Easy to use (Robert, Apam-Ghana)
- ✨ App is getting better (kinggquarshie)

**What reviewers complain about**

- ❌ App constantly crashing (𝕾𝖙𝖎𝖋𝖑𝖊𝖗, Dddnnydd, ricgard0987, Saigon 4pf)
- ❌ Frequent re-registration required (Neon Abyss, Jfkgjgkc)
- ❌ International transfers declining (realmecollins, Elorms)
- ❌ Difficulty receiving OTP (Ajbounce94)
- ❌ Poor interface, difficult to use (Brownjaybird, Trespasser Trent, Delious2341)

**Reported bugs**

- 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')

**Requested features**

- Simplify app interface
- Maximize menu button size on iPhone
- Fix back button size
- Improve visibility of transactions (in/out)
- Fix loan application form download


### XCel App.

[App page](https://appshunter.io/ios/app/xcel-app/id1506145493)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*