Comparison

Banco de Occidente Móvil vs PAYGO

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

Head to head

Banco de Occidente Móvil

Free

💰 Finance

★ 4.4439 ratingsView app →

PAYGO

Free

💰 Finance

★ 3.04 ratingsView app →

About

Banco de Occidente Móvil

Manage your finances on the go with this banking application. Easily register, make QR purchases, transfer funds, pay bills, and check account details. Access information about your products and locate bank branches and ATMs nationwide.

Highlights

Easy registration and login
QR code purchases
Fund transfers and cash advances
Bill and credit card payments
Account balance and transaction history
Generate certificates and statements
Locate branches and ATMs

Features

Read full description

Estamos contigo donde estés. Te presentamos la nueva versión de nuestra aplicación Banco de Occidente Móvil, en donde podrás realizar transacciones de forma rápida, segura, en cualquier momento y lugar usando tu dispositivo. Con nuestra app podrás: • Registrarte e ingresar más fácil que nunca • Realizar compras QR con tus tarjetas • Hacer transferencias y avances • Pagar tu Tarjeta de Crédito, Servicios y Obligaciones • Consultar tus productos y movimientos • Generar certificados y constancias • Encontraras información de tus productos con el Grupo Aval • Informarte acerca de la localización de nuestras oficinas, Cajeros Automáticos ATH y Corresponsales Bancarios del Grupo Aval a nivel nacional • muchas transacciones más. Requisitos para registrarte: • Tener productos activos Banco de Occidente de la Banca de Personas para realizar el registro en nuestra aplicación. • Debes contar con el registro previo de tu número de celular como dato seguro ante el Banco o adquirir Token Mobile/Físico. Recuerda que: Para realizar pagos, transferencias y avances debes tenerlos previamente inscritos en nuestro Portal Transaccional Banca Personas. Recuerda activar tus servicios complementarios desde el Portal Transaccional con tu Token Mobile/Físico para seguir disfrutando de más transacciones en la App Banco de Occidente Móvil. Estamos del lado de los que hacen. Para más información te invitamos a consultar www.bancodeoccidente.com.co/bancamovil o comunícate con nuestra línea de Servicio al Cliente 01 8000 51 46 52, o en Bogotá al 601 390 20 58.

About

PAYGO

This platform offers a secure and convenient alternative to cash for students in educational institutions. It allows for easy payments, real-time spending monitoring, and control over purchases, including blocking specific items or categories.

Highlights

Secure alternative payment method
Real-time spending monitoring
Control over purchases
Block unwanted products/categories
View meal menu schedules

Features

Read full description

La plataforma payGo es un medio de pago alternativo que permite que niños y jóvenes no tengan que utilizar el efectivo en sus instituciones educativas. Beneficios: - Método fácil y seguro para pagar o recargar desde cualquier lugar. - Monitoreo del consumo en tiempo real. - Control de la alimentación. - Bloqueo de productos y categorías no deseados. - Consultar programación de menú de alimentación.

Screenshots

Banco de Occidente Móvil4 screens

PAYGO4 screens

Verdict

The call

The clearest difference is rating: Banco de Occidente Móvil at 4.4 against PAYGO's 3.0. Banco de Occidente Móvil also leads on review sentiment (32% vs 0%) and ratings volume (439 vs 4). On price, ads, in-app purchases and monetization model 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

Banco de Occidente Móvil holds the better App Store score, 4.4 against 3.0. That said, the two scores are not equally well evidenced: Banco de Occidente Móvil has 439 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 32% of Banco de Occidente Móvil's written reviews are positive against 0% of PAYGO's.

UpkeepUpdate frequency

Banco de Occidente Móvil ships an update every 3 weeks, PAYGO every 2 months. The most recent releases landed on October 26, 2026 and October 14, 2026 respectively.

Scorecard4 real differences · 6 level

Banco de Occidente Móvil versus PAYGO: the parameters behind the verdict, then further details
Parameter	Banco de Occidente Móvil	PAYGO
Price	Free	Free
Rating	4.4 (439 ratings) — better	3.0 (4 ratings)
Positive reviews	31.8% of reviews — better	0.0% of reviews
Number of ratings	439 — better	4
Update frequency	Every 3 weeks — better	Every 2 months
Ads	No	No
In-app purchases	No	No
Monetization	Free	Free
Devices	iPhone, iPod	iPhone, iPad, iPod — better
Requires iOS	15.0 — better	15.6
Further details — not scored
Size	107 MB	20 MB
Age rating	4+	4+
Developer	BANCO DE OCCIDENTE	PAYGO S.A.S

Customer experience

Banco de Occidente Móvil

All ratings432 ratings

Positive85.2%

Neutral3.2%

Negative11.6%

Written reviews85 reviews

Positive31.8%

Neutral16.5%

Negative51.8%

PAYGO

All ratings4 ratings

Positive50.0%

Neutral0.0%

Negative50.0%

Written reviews1 reviews

Positive0.0%

Neutral0.0%

Negative100.0%

Bugs and requests

Banco de Occidente Móvil

Reported bugs

86 issues

App is very slow
Difficult to access settings
App is slow and cumbersome
App continuously presents failures
No pockets to manage money

Show 81 more

Cannot transfer via Breb
Slowness when making transfers
App freezes on blue screen with logo
Cannot pay via PSE
App shows insufficient balance for payments
Cannot consult amparadas cards
Registered accounts disappear
App confuses currencies when paying credit card debt
Cannot transfer via Breve
Movements take time to load
Cannot identify Bre-B key for payments
Security system blocks transactions
Products disappear after updates
Difficult to make transfers between Occidente savings accounts
App is very basic
No notifications for transactions
Portal is down for transfers
Unable to make movements
Cannot modify limits
Error when registering accounts
Cannot download bank account certificate
Left menu disappears
Kubo option not enabled
Some processes are tedious
QR payments and service payments work intermittently
App is fast and efficient
App is easy to use and fast
App is stable and friendly
App asks to rate after every transaction
Apple Pay does not work
Cannot write security code for key payments
OTP is annoying
Face ID does not work on iPhone 17
Delays in managing messages and verification codes for Bre-B transactions
App is intuitive, practical and rarely fails
Transfers in the afternoon are slow
Cannot pay monthly installments from mobile with external bank
App is limited, cannot use PSE for credit card payments
Annotations in transfers are not visible
After update, need to re-register and cannot
Cannot enter app or download on another phone
App fails frequently
Bank does not process movements in time
Card blocked
App does not function
Cannot show key to continue
Face ID does not work
Payment to credit from savings account never works
Registration experience is frustrating
App does not allow login with credentials
Cannot visualize instructions correctly during registration
App crashes
App does not open links
Transactions take days to reflect
App never works
FaceID on iPhone XS does not work
Authentication on new device is difficult
App blocks totally
App is unusable
App is very bad
App is horrible
App fails authentication
Cannot enter OTP code
Cannot start application
App is outdated
New update does not save user and password
Cannot recover password
App crashes after update
App is not functional
App is not working
App is very bad
App is horrible
App fails authentication
Cannot enter OTP code
Cannot start application
App is outdated
New update does not save user and password
Cannot recover password
App crashes after update
App is not functional
App is not working

Requested features

24 requests

Ability to pay specific credit card purchases
Make payments from other accounts via PSE
Add pockets for money management
Add Apple Pay for debit cards
Improve authentication methods

Show 19 more

Add chat support for issue resolution
Enable payment by QR code
Enable payment of services
Add Tranfiya transfer option
Improve login system
Add loading screen
Fix Face ID issues
Allow registration on new devices
Enable password recovery
Allow saving user and password
Improve payment of credit card from external bank
Allow PSE payments for own products
Improve display of transaction annotations
Allow registration on new devices
Allow password recovery
Allow saving user and password
Improve payment of credit card from external bank
Allow PSE payments for own products
Improve display of transaction annotations

PAYGO

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Banco de Occidente Móvil

No in-app purchases

None

PAYGO

No in-app purchases

Questions

Is Banco de Occidente Móvil free?

Banco de Occidente Móvil is free to download, with no in-app purchases.

Is PAYGO free?

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

Which has better reviews, Banco de Occidente Móvil or PAYGO?

Banco de Occidente Móvil is rated higher. Banco de Occidente Móvil averages 4.4 out of 5 from 439 ratings, while PAYGO averages 3.0 from 4 ratings.

Do Banco de Occidente Móvil or PAYGO have ads?

Neither Banco de Occidente Móvil nor PAYGO shows ads.

Which is updated more often, Banco de Occidente Móvil or PAYGO?

Banco de Occidente Móvil ships an update every 3 weeks, and PAYGO every 2 months. Most recently, Banco de Occidente Móvil was updated on October 26, 2026 and PAYGO on October 14, 2026.