Fidelity Bank has the highest-rated banking app among Ghana’s 23 licensed banks, according to a review of Apple App Store ratings for the main retail banking apps of the banks.
The review, conducted by Ghana Banks Watch, used the Ghana storefront of Apple’s App Store on October 6, 2026.
The 23 banking apps had a combined total of about 44,000 ratings. Fidelity Bank ranked first with a score of 4.50 out of five from 33,923 ratings.
Stanbic Bank ranked second with 4.40 from 1,431 ratings, followed by OmniBSIC Bank with 4.02. NIB recorded 3.94, while Standard Chartered Bank had 3.91.
The median rating for the 23 banking apps was 3.58 out of five.
Fidelity leads
Fidelity’s score was the highest among the banks reviewed. Its 33,923 ratings also represented about 77 per cent of all the App Store ratings recorded for the 23 banking apps.
The number of ratings was substantially higher than that of the other banks. Ecobank had the second-highest number of ratings, with 2,557.
Stanbic had 1,431 ratings, while Standard Chartered had 1,116. GCB Bank had 2,011 ratings, giving it the third-highest number of ratings among the banks reviewed.
The ranking was based on the App Store rating and did not take into account the size of the bank, customer deposits, branch network or other financial indicators.
GCB ranks ninth
GCB Bank, Ghana’s largest bank by customer deposits at the end of 2025, ranked ninth with a score of 3.73.The GCB app had 2,011 App Store ratings, making it one of the more widely rated banking apps in the review.
Its position placed it below the five highest-rated apps and other banks in the ranking.
The figures show that the size of a bank does not determine its position in the App Store ranking.
Ecobank also recorded a relatively large number of ratings, with 2,557, but its score was below those of the leading apps.
App Store scores lower
The review also compared the Apple App Store ratings with Google Play ratings.
Sixteen of the 23 banking apps had lower ratings on Apple’s App Store than on Google Play.
The comparison was adjusted for four pan-African banking apps, namely Ecobank, Societe Generale, Stanbic and UBA, because their Google Play ratings are global rather than Ghana-specific.
Among the remaining 19 Ghana-only apps, 13 still recorded lower ratings on the App Store than on Google Play.
GTBank recorded the widest difference. Its App Store rating was 2.42, compared with 3.83 on Google Play.
GTBank also had the lowest App Store rating among banks with at least 100 ratings.
The ratings show the difference between the two platforms but do not establish why the scores differ. Differences in users, app versions and platform performance are possible factors.
Smaller samples
Five banks had fewer than 100 App Store ratings at the time of the review.
NIB had 63 ratings, Prudential had 62, ADB had 42, Bank of Africa had 28, and First Atlantic had 11.
Prudential recorded the lowest overall rating at 2.34.
However, the number of ratings for Prudential and the other banks with fewer than 100 ratings was small compared with the larger samples recorded by Fidelity, GCB and Ecobank.
A small number of new ratings can therefore have a larger effect on the overall score of an app with fewer ratings.
Access Bank, FNB and UMB had also recently relaunched their banking apps, meaning their App Store rating counts were still building at the time of the review.
What the ratings show
The App Store ratings provide a measure of how users rated the banking apps on Apple’s platform.
Fidelity had the highest score, followed by Stanbic and OmniBSIC.
GCB and Ecobank had a relatively large number of ratings but ranked below the top-rated apps.
Among banks with at least 100 ratings, GTBank had the lowest App Store score, followed by other banks with relatively low ratings.
The ratings do not directly measure the security, reliability or customer service of the banks. They also do not show transaction success rates, system availability, processing speeds or the frequency of technical problems.
The ratings can also change as users submit new reviews.
For customers using iPhones, however, the figures provide a direct indication of how other users have rated the banking apps available through Ghana’s App Store.
As of October 6, Fidelity had the highest score at 4.50 out of five, while Prudential had the lowest at 2.34.
The median score across the 23 banking apps was 3.58.
The review covered one main retail banking app for each bank. App Store figures were taken from Apple’s Ghana storefront, while Google Play figures were based on the ratings displayed on the respective app listings.
Where two apps had the same rating, the app with the higher number of ratings was ranked ahead.
The figures represent a snapshot taken on October 6, 2026, and can change as new ratings are submitted.