# NCBA NOW vs Twiva

The clearest difference is iOS requirement: NCBA NOW at 13.0 against Twiva's 15.5. On price, update cadence, ads and in-app purchases there is nothing between them.

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

Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on October 9, 2026 and October 10, 2026 respectively.

## The numbers

| Metric | NCBA NOW | Twiva |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.2 (16 ratings)](https://appshunter.io/ios/app/ncba-now/id725534467/reviews)** | — |
| Number of ratings | **16** | — |
| Positive reviews | 14.3% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | Every 2 months |
| Monetization | Free | — |
| Size | 115 MB | 178 MB |
| Requires iOS | **13.0** | 15.5 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [NIC BANK LIMITED](https://appshunter.io/developer/1342536358) | [Twiva Media Group Limited](https://appshunter.io/developer/1655075243) |

## What reviewers say

### NCBA NOW

[App page](https://appshunter.io/ios/app/ncba-now/id725534467)

Manage your banking needs with this app, offering features for both customers and non-customers. Perform various payments, manage accounts, and access customer support conveniently.

**Highlights:** eCitizen Government services payment, Account balance hiding/unhiding, Credit card bill payment and statement viewing, Debit & Credit Card Set/Change PIN, Insurance premium payments, M-Pesa to NCBA Account transfer, KRA domestic payments (iTax)

**Features:** macOS Compatibility

**In-app purchases:** none


### Twiva

[App page](https://appshunter.io/ios/app/twiva/id6444508375)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is NCBA NOW free?

NCBA NOW is free to download, with no in-app purchases.

### Is Twiva free?

Twiva is free to download, with no in-app purchases.

### Do NCBA NOW or Twiva have ads?

Neither NCBA NOW nor Twiva shows ads.

### Which is updated more often, NCBA NOW or Twiva?

NCBA NOW ships an update every 2 months, and Twiva every 2 months. Most recently, NCBA NOW was updated on October 9, 2026 and Twiva on October 10, 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.*