# SCFCU Mobile vs NetGiver

The clearest difference is monetization model: NetGiver at free against SCFCU Mobile's free with in-app purchases. NetGiver also leads on iOS requirement (13.0 vs 16.0). SCFCU Mobile's advantage is ratings volume (3.3K vs 13). On price, rating, review sentiment and update cadence there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.8 for SCFCU Mobile against 4.7 for NetGiver. That said, the two scores are not equally well evidenced: SCFCU Mobile has 3.3K ratings behind it against 13, so its average is the more settled of the two. Written reviews are what separate them: 93% of SCFCU Mobile's written reviews are positive against 88% of NetGiver's.

SCFCU Mobile ships an update monthly, NetGiver every 6 weeks. The most recent releases landed on September 27, 2026 and September 8, 2026 respectively.

## The numbers

| Metric | SCFCU Mobile | NetGiver |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (3.3K ratings)](https://appshunter.io/ios/app/scfcu-mobile/id771126325/reviews)** | [4.7 (13 ratings)](https://appshunter.io/ios/app/netgiver/id1473347851/reviews) |
| Number of ratings | **3.3K** | 13 |
| Positive reviews | **92.9% of reviews** | 87.5% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 6 weeks |
| Monetization | Free with in-app purchases | **Free** |
| Size | 128 MB | 36 MB |
| Requires iOS | 16.0 | **13.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [St. Cloud Financial Credit Union](https://appshunter.io/developer/771126328) | [NetGiver, LLC](https://appshunter.io/developer/1463141980) |

## What reviewers say

### SCFCU Mobile

[App page](https://appshunter.io/ios/app/scfcu-mobile/id771126325)

Manage your finances conveniently from your mobile device. Access account information, transfer funds, deposit checks, and locate branches or ATMs. This app offers secure login and identity verification for peace of mind.

**Highlights:** Check account balances, View transaction history, Transfer money between accounts, Deposit checks, Locate ATMs and branches, Secure login with biometrics

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Ease of use
- 👍 Reliable and fast
- 👍 Helpful staff
- 🚀 Convenient mobile features
- 🔒 Secure banking

**What reviewers complain about**

- 🐛 Login issues
- 🐛 Slow app performance

**Reported bugs**

- Mobile check deposit not working consistently
- App crashes and shows black screen

**Requested features**

- Bring back 6-digit code login option
- Add check image viewing in app


### NetGiver

[App page](https://appshunter.io/ios/app/netgiver/id1473347851)

Easily support 501(c)(3) nonprofits nationwide with secure, fee-free donations. Every dollar goes directly to your chosen charity, thanks to sponsoring organizations. Make a greater impact with every gift.

**Highlights:** Support 501(c)(3) nonprofits, Fee-free donations, Secure ACH transactions, 100% of gift to charity, Philanthropic engagement platform

**In-app purchases:** none


## Frequently asked questions

### Is SCFCU Mobile free?

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

### Is NetGiver free?

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

### Which has better reviews, SCFCU Mobile or NetGiver?

SCFCU Mobile is rated higher. SCFCU Mobile averages 4.8 out of 5 from 3.3K ratings, while NetGiver averages 4.7 from 13 ratings.

### Do SCFCU Mobile or NetGiver have ads?

Neither SCFCU Mobile nor NetGiver shows ads.

### Which is updated more often, SCFCU Mobile or NetGiver?

SCFCU Mobile ships an update monthly, and NetGiver every 6 weeks. Most recently, SCFCU Mobile was updated on September 27, 2026 and NetGiver on September 8, 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.*