Comparison

C3Pay vs ENBD X

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

Head to head
About

C3Pay

Manage your finances with ease. View balances and transactions, receive instant alerts for salary deposits and purchases, and transfer money internationally. Top up local and international mobile numbers quickly.

Highlights
  • View balance and transactions
  • Receive SMS alerts
  • International money transfers
  • Mobile number recharge
  • Clean and simple interface
Features
Read full description

Now here with a cleaner look under your fingertips, our aim is to provide you with the simplest and the quickest way of managing your money. Use C3Pay to: - View your balance and transaction from anywhere, anytime. - Get SMS alerts whenever you receive your salary or make a purchase in shops. - Transfer money in minutes to your home country - Your first transfer is FREE! - Recharge any local and international mobile number instantly. Note: The app services are only available to C3Pay cardholders.

About

ENBD X

Manage your Emirates NBD accounts and cards securely on your phone. Access over 150 services, including instant transactions, card management, and international money transfers. Open investment portfolios and trade equities directly from the app.

Highlights
  • Manage accounts and cards
  • Over 150 banking services
  • Instant transactions
  • Card lock/unlock and PIN reset
  • Request statements and letters
  • Set spending/withdrawal limits
  • Open investment portfolios and trade equities
  • International money transfers
Features
Read full description

With ENBD X, a new standard of excellence, embark on a groundbreaking journey to mobile banking on your phone. Seamlessly navigate through all your Emirates NBD products to gain control of your finances. This cutting-edge app empowers you to securely manage your accounts and cards with the assurance from Emirates NBD to bring you best in class banking products and services. Emirates NBD, known for its commitment to innovation, ensures your financial wellbeing and security with ENBD X. Access over 150+ services, with majority of them being processed instantly on the app with no extra steps. Lock and unlock your Emirates NBD card effortlessly, reset your card PIN, request statements, letters with just a few taps, and set precise spending and withdrawal limits to match your financial preferences. See the historical information about your transactions on your accounts, cards and loans. Moreover, you can open an investment portfolio instantly and start trading in Global and Local Equities. You can find best of deals, offers and benefits of banking with Emirates NBD with the ease and convenience of the ENBD X mobile app. ENBD X, proudly brought to you by Emirates NBD, not only simplifies your daily digital banking but also offers lightning-fast international money transfer feature to multiple destinations with DirectRemit. Additionally, managing your finances is a breeze, as you can conveniently pay your bills or top up your mobile phone with Emirates NBD's secure and user-friendly app. Embrace banking like never before with Emirates NBD's ENBD X app – your trusted companion for a seamless, secure, and efficient financial journey. Download the app today to enjoy the numerous features and benefits Emirates NBD has tailored exclusively for you. Privacy Policy URL: https://www.emiratesnbd.com/en/data-privacy-notice/

Screenshots

C3Pay4 screens
ENBD X4 screens

Verdict

The call

The clearest difference is review sentiment: ENBD X at 51% against C3Pay's 34%. ENBD X also leads on rating (4.7 vs 4.5) and ratings volume (19K vs 1.7K). On price, update cadence, ads 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

ENBD X holds the better App Store score, 4.7 against 4.5. That said, the two scores are not equally well evidenced: ENBD X has 19K ratings behind it against 1.7K, so its average is the more settled of the two. Written reviews point the same way: 34% of C3Pay's written reviews are positive against 51% of ENBD X's.

UpkeepUpdate frequency

C3Pay ships an update fortnightly, ENBD X weekly. The most recent releases landed on November 1, 2026 and November 5, 2026 respectively.

Scorecard4 real differences · 6 level
C3Pay versus ENBD X: the parameters behind the verdict, then further details
ParameterC3PayENBD X
PriceFreeFree
Rating4.5 (1.7K ratings)4.7 (19K ratings) — better
Positive reviews34.1% of reviews50.9% of reviews — better
Number of ratings1.7K19K — better
Update frequencyFortnightlyWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationAd-supportedFree — better
DevicesiPhone, iPod — betteriPhone
Requires iOS15.0 — better16.0
Further details — not scored
Size184 MB693 MB
Age rating4+4+
DeveloperC3 CardEmirates NBD Bank P.J.S.C

Customer experience

C3Pay

All ratings1,739 ratings
Positive86.4%
Neutral4.8%
Negative8.9%
Written reviews41 reviews
Positive34.1%
Neutral4.9%
Negative61.0%

ENBD X

All ratings18,835 ratings
Positive92.9%
Neutral1.4%
Negative5.6%
Written reviews1,374 reviews
Positive50.9%
Neutral4.1%
Negative45.0%

User reviews

C3Pay

From 1.7K App Store ratings

What we love

  • 💰 Fantastic money sending service
  • 👍 Good service, users are very happy using this app

Room to improve

  • 🐛 App crashes frequently, issues with login and app access
  • 🕰️ Slow response from customer support, long wait times for card replacement
  • 💳 Unexpected deductions and account balance issues
  • 🔄 Frequent app updates required

ENBD X

From 19K App Store ratings

What we love

  • 🚀 Easy to use
  • 🚀 Convenient banking
  • 🚀 Efficient app
  • 🚀 Smooth experience
  • 🔒 Secure app

Room to improve

  • 🐛 Buggy and glitchy
  • 🐛 Crashes and freezes
  • 🐛 Unreliable performance
  • 🐛 Slow and unresponsive
  • 🐛 Disappearing features

Bugs and requests

C3Pay

Reported bugs

2 issues
  • Login issues, app not opening on iOS 15
  • Inability to register new card with app

Requested features

3 requests
  • Add money transfer functionality to more countries
  • Improve app stability and reliability
  • Enhance customer support responsiveness

ENBD X

Reported bugs

5 issues
  • Login issues
  • Beneficiary disappearance
  • Incorrect account balances
  • Inability to update profile details
  • Failure to complete transactions

Requested features

6 requests
  • Dark mode option
  • Improved transaction history
  • Easier account management
  • Seamless international transfers
  • Enhanced security features
Show 1 more
  • Better customer support

In-app purchases

None

C3Pay

No in-app purchases

None

ENBD X

No in-app purchases

Questions

Is C3Pay free?
C3Pay is free to download, with no in-app purchases.
Is ENBD X free?
ENBD X is free to download, with no in-app purchases.
Which has better reviews, C3Pay or ENBD X?
ENBD X is rated higher. C3Pay averages 4.5 out of 5 from 1.7K ratings, while ENBD X averages 4.7 from 19K ratings.
Do C3Pay or ENBD X have ads?
Neither C3Pay nor ENBD X shows ads.
Which is updated more often, C3Pay or ENBD X?
C3Pay ships an update fortnightly, and ENBD X weekly. Most recently, C3Pay was updated on November 1, 2026 and ENBD X on November 5, 2026.

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