Comparison

NICU smartPay vs Continental Bank

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

Head to head
About

NICU smartPay

Manage your finances with ease. View account balances, make payments, set savings goals, and control your cards directly from the home screen. Enjoy enhanced security features and quick access to all your banking needs.

Highlights
  • Quick Balance view
  • Biometric and PIN login
  • Instant transfers to members
  • External bank transfers
  • BPAY payments
  • Expense tracking
  • Card management
Features
Read full description

The app includes new features and functions, upgraded security and is simpler to navigate, easier to understand, and quicker to use. Its new design allows you to quickly see your account balance, make payments, set a savings goal and manage your card(s) directly from the home screen. Easy access to: • 'Quick Balance' to view your balances without logging in • Biometric authentication (fingerprint/facial recognition) and PIN, Password or pattern login options • SMS one-time password capability for added security • Transfer to other NICU Members instantly • Transfer funds to external bank accounts using 'Pay Anyone' and add new payees • Manage your PayID • Make BPAY® payments • Add, delete and modify scheduled payments • View pending transactions • How I Spend helps you view, track and manage expenses • Update your contact details • Manage your cards - activate, change PIN, temporarily lock or unlock, report a card lost or stolen • Easy access to 'interest earned' at tax time Things to Know • This app is for NICU Members only. • Mobile data downloading or internet usage charges may apply. • Whilst we make every effort, the NICU smartPay mobile app is not compatible with all devices and operating systems.

About

Continental Bank

Manage your business finances 24/7 with this mobile banking app. Safely access account statements, transfer money, pay bills, and deposit checks. It offers secure messaging for account and transaction updates.

Highlights
  • Manage deposit and lending accounts
  • Access account statements
  • Secure messaging
  • Transfer money
  • Pay bills
  • Deposit checks
Features
Read full description

Banking for business. Bank 24/7 with the Continental Bank Mobile Application. Continental Bank builds products and features specifically for business. Using mobile banking you can safely and securely: Manage your deposit and lending accounts Access Account Statements Receive Secure Messages regarding yours accounts and transaction Transfer Money Pay Bills Deposit Checks For more information on our online and mobile banking offering please visit our site at www.cbankus.com. To access our digital services agreement, please visit our our site at www.cbankus.com\digital-services- agreement.

Screenshots

NICU smartPay4 screens
Continental Bank4 screens

Verdict

The call

The clearest difference is review sentiment: Continental Bank at 50% against NICU smartPay's 20%. 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.

UpkeepUpdate frequency

NICU smartPay ships an update every 6 months, Continental Bank every 4 months. The most recent releases landed on June 4, 2026 and September 8, 2026 respectively.

Scorecard1 real difference · 9 level
NICU smartPay versus Continental Bank: the parameters behind the verdict, then further details
ParameterNICU smartPayContinental Bank
PriceFreeFree
Rating4.2 (5 ratings) — better
Positive reviews20.0% of reviews50.0% of reviews — better
Number of ratings5 — better
Update frequencyEvery 6 monthsEvery 4 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS13.0 — better14.1
Further details — not scored
Size106 MB120 MB
Age rating4+4+
DeveloperNorthern Inland Credit Union LimitedContinental Bank US

Customer experience

NICU smartPay

Written reviews5 reviews
Positive20.0%
Neutral20.0%
Negative60.0%

Continental Bank

All ratings5 ratings
Positive80.0%
Neutral0.0%
Negative20.0%
Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

In-app purchases

None

NICU smartPay

No in-app purchases

None

Continental Bank

No in-app purchases

Questions

Is NICU smartPay free?
NICU smartPay is free to download, with no in-app purchases.
Is Continental Bank free?
Continental Bank is free to download, with no in-app purchases.
Do NICU smartPay or Continental Bank have ads?
Neither NICU smartPay nor Continental Bank shows ads.
Which is updated more often, NICU smartPay or Continental Bank?
NICU smartPay ships an update every 6 months, and Continental Bank every 4 months. Most recently, NICU smartPay was updated on June 4, 2026 and Continental Bank on September 8, 2026.

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