NICU smartPay vs Continental Bank
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Quick Balance view
- Biometric and PIN login
- Instant transfers to members
- External bank transfers
- BPAY payments
- Expense tracking
- Card management
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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.
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.
- Manage deposit and lending accounts
- Access account statements
- Secure messaging
- Transfer money
- Pay bills
- Deposit checks
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
| Parameter | NICU smartPay | Continental Bank |
|---|---|---|
| Price | Free | Free |
| Rating | — | 4.2 (5 ratings) — better |
| Positive reviews | 20.0% of reviews | 50.0% of reviews — better |
| Number of ratings | — | 5 — better |
| Update frequency | Every 6 months | Every 4 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 13.0 — better | 14.1 |
| Further details — not scored | ||
| Size | 106 MB | 120 MB |
| Age rating | 4+ | 4+ |
| Developer | Northern Inland Credit Union Limited | Continental Bank US |
Customer experience
NICU smartPay
Continental Bank
In-app purchases
NICU smartPay
No in-app purchases
Continental Bank
No in-app purchases








