Comparison

SC Mobile Ghana vs GCB Mobile 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

GCB Mobile App

Manage your finances entirely from your smartphone. Open accounts, invest, pay bills, and secure your profile with biometric authentication. Enjoy a user-friendly interface with customizable themes and real-time transaction alerts.

Highlights
  • Biometric profile security
  • Bill payments (including ECG)
  • Invest in Term Deposits
  • Open Instant accounts
  • Self-service options
  • Card requests
  • Customizable themes
Read full description

"GCB Mobile App is your choicest banking app in Ghana. It offers you a complete financial solution that lets you do everything from opening an account to investing in Term Deposits, all from your smartphone or tablet without visiting any branch. With GCB Mobile App, you can: • Secure your profile with your fingerprint or face ID • Pay your ECG bills conveniently using our ground-breaking solution for prepaid meters • Pay for various services to over a 100 billers • Customize your app with dark and light mode themes • Receive real-time receipts and alerts for every transaction • Invest and manage Term Deposits with high interest rates • Open an Instant account and start sending and receiving money from anywhere anytime. • Use a wide range of self service options including password reset, card transaction limits adjustment, PIN change and more. • Request debit, prepaid and virtual cards with ease. • Navigate the app easily with a user-friendly interface for varying user groups. GCB Mobile App is safe, secure and easy to use. Download it today and enjoy the experience."

Screenshots

SC Mobile Ghana4 screens
GCB Mobile App4 screens

Verdict

The call

The clearest difference is ads: GCB Mobile App at none against SC Mobile Ghana's shown. SC Mobile Ghana's advantage is rating (3.7 vs 3.4) and review sentiment (30% vs 9%). On price, ratings volume, update cadence and in-app purchases 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. Both are backed by a comparable volume of ratings — 147 and 377 respectively. Written reviews point the same way: 30% of SC Mobile Ghana's written reviews are positive against 9% of GCB Mobile App's.

UpkeepUpdate frequency

SC Mobile Ghana ships an update every 6 weeks, GCB Mobile App every 2 months. The most recent releases landed on November 6, 2026 and November 12, 2026 respectively.

Scorecard4 real differences · 6 level
SC Mobile Ghana versus GCB Mobile App: the parameters behind the verdict, then further details
ParameterSC Mobile GhanaGCB Mobile App
PriceFreeFree
Rating3.7 (147 ratings) — better3.4 (377 ratings)
Positive reviews30.2% of reviews — better8.6% of reviews
Number of ratings147377 — better
Update frequencyEvery 6 weeks — betterEvery 2 months
AdsYesNo — better
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS14.0 — better16.0
Further details — not scored
Size154 MB49 MB
Age rating4+4+
DeveloperStandard Chartered BankGCB Bank PLC

Customer experience

SC Mobile Ghana

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

GCB Mobile App

All ratings283 ratings
Positive54.8%
Neutral8.5%
Negative36.7%
Written reviews58 reviews
Positive8.6%
Neutral3.4%
Negative87.9%

User reviews

SC Mobile Ghana

From 147 App Store ratings

What we love

  • 🔥 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)

Room to improve

  • ❌ 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)

GCB Mobile App

From 377 App Store ratings

What we love

  • 👍 Superb Interface
  • 👍 Seamless and user friendly
  • 👍 Excellent app for perfect banking

Room to improve

  • 🐛 App crashes frequently
  • 🐛 Transactions not reflecting
  • 🐛 Mobile money transactions failing
  • 🐛 Registration process errors
  • 🐛 Poor customer support response

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

GCB Mobile App

Reported bugs

32 issues
  • Photo upload fails during registration
  • Mobile money transactions not going through
  • App doesn't allow linking of account
  • Standing order feature crashes when hitting frequency tab
  • Messages sent to customer support go unanswered for weeks
Show 27 more
  • Deposits from mobile money to bank account do not reflect, but money is debited
  • Virtual cards lost after update, and requesting new ones doesn't work
  • Email validation errors during registration
  • OTP not received via SMS or email
  • Money deposited does not reflect in the app
  • Cannot receive billing address for online payment
  • ATM card blocking is not functional
  • Withdrawal to Ghana Pay wallet deducts money but doesn't reflect in wallet
  • Online transactions don't go through, requiring a bank visit
  • Deposited money is taken without crediting the bank wallet
  • Mistakenly transferred money to virtual card cannot be reversed without bank visit
  • Error when trying to create an account with readycash card
  • App does not open after a new update
  • App not showing on home screen after download
  • Connection could not be established error
  • Money transferred on Friday not reflected by Monday
  • Payment fails and money is deducted, support is unhelpful
  • Registration process stuck after selfie, no details to review, invalid account number error
  • App crashes all the time
  • Cannot proceed with account creation without Ghana number, needs email verification option
  • Mobile money to account transfer deducted but not received, customer support unable to help
  • Deposits hang for over two weeks
  • App crashes during registration
  • Investment section not working well
  • App doesn't work
  • Scan app gives errors and excuses
  • Sending money results in 'try again later' error

Requested features

3 requests
  • Allow personal record updates (contacts, address) without visiting the bank
  • Allow email verification for account creation
  • Bring back the old version or fix the new one

In-app purchases

None

SC Mobile Ghana

No in-app purchases

None

GCB Mobile App

No in-app purchases

Questions

Is SC Mobile Ghana free?
SC Mobile Ghana is free to download, with no in-app purchases.
Is GCB Mobile App free?
GCB Mobile App is free to download, with no in-app purchases.
Which has better reviews, SC Mobile Ghana or GCB Mobile App?
SC Mobile Ghana is rated higher. SC Mobile Ghana averages 3.7 out of 5 from 147 ratings, while GCB Mobile App averages 3.4 from 377 ratings.
Do SC Mobile Ghana or GCB Mobile App have ads?
SC Mobile Ghana shows ads; GCB Mobile App does not.
Which is updated more often, SC Mobile Ghana or GCB Mobile App?
SC Mobile Ghana ships an update every 6 weeks, and GCB Mobile App every 2 months. Most recently, SC Mobile Ghana was updated on November 6, 2026 and GCB Mobile App on November 12, 2026.

Other comparisons