# BPI App vs Universo Mobile Banking

The clearest difference is rating: Universo Mobile Banking at 5.0 against BPI App's 4.3. Universo Mobile Banking also leads on update cadence (fortnightly vs monthly). BPI App's advantage is ratings volume (200 vs 1) and review sentiment (13% vs 0%). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Universo Mobile Banking holds the better App Store score, 5.0 against 4.3. That said, the two scores are not equally well evidenced: BPI App has 200 ratings behind it against 1, so its average is the more settled of the two. Written reviews complicate that: 13% of BPI App's written reviews are positive against 0% of Universo Mobile Banking's, so the app with the better star average is not the one people write more warmly about.

BPI App ships an update monthly, Universo Mobile Banking fortnightly. The most recent releases landed on November 6, 2026 and November 4, 2026 respectively.

## The numbers

| Metric | BPI App | Universo Mobile Banking |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.3 (200 ratings)](https://appshunter.io/ios/app/bpi-app/id1129271305/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/universo-mobile-banking/id6590635351/reviews)** |
| Number of ratings | **200** | 1 |
| Positive reviews | **13.2% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Fortnightly** |
| Monetization | Free | Free |
| Size | 334 MB | 139 MB |
| Requires iOS | **15.0** | 15.2 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Banco BPI, S.A.](https://appshunter.io/developer/493543451) | [UNIVERSO, IME, S.A.](https://appshunter.io/developer/1205416739) |

## What reviewers say

### BPI App

[App page](https://appshunter.io/ios/app/bpi-app/id1129271305)

Manage your BPI accounts, cards, and savings with a modern and intuitive interface. Perform transfers, payments, and access MB Way features. Track your finances, simulate loans, and even open new accounts online.

**Highlights:** Account and card balance inquiries, Transfers and payments (including MB Way), Credit card management, Savings and investment portfolio, Personal loan simulation and application, Financial organization and budgeting, Online account opening

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Good bank overall
- 👍 Good customer service
- 👍 App is complete
- 👍 Works well abroad
- 👍 Good for managing finances

**What reviewers complain about**

- 🐛 App frequently crashes
- 🐛 App does not open
- 🐛 Connection errors
- 🐛 Slow login and navigation
- 🐛 Outdated UI

**Reported bugs**

- App crashes frequently
- App does not open
- Connection errors
- Slow login and navigation
- Outdated UI

**Requested features**

- Add English language option
- Improve transaction details
- Make app more intuitive
- Add dark mode
- Improve search functionality


### Universo Mobile Banking

[App page](https://appshunter.io/ios/app/universo-mobile-banking/id6590635351)

Manage your finances, cards, and credit from your mobile device. Access real-time account information, make payments, and apply for loans and insurance.

**Highlights:** Digital card application, Real-time balance and transaction history, Virtual card creation for secure online payments, Personal finance and budget management, Card controls and usage alerts, Credit and insurance application, Savings and investment management

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is BPI App free?

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

### Is Universo Mobile Banking free?

Universo Mobile Banking is free to download, with no in-app purchases.

### Which has better reviews, BPI App or Universo Mobile Banking?

Universo Mobile Banking is rated higher. BPI App averages 4.3 out of 5 from 200 ratings, while Universo Mobile Banking averages 5.0 from 1 ratings.

### Do BPI App or Universo Mobile Banking have ads?

Neither BPI App nor Universo Mobile Banking shows ads.

### Which is updated more often, BPI App or Universo Mobile Banking?

BPI App ships an update monthly, and Universo Mobile Banking fortnightly. Most recently, BPI App was updated on November 6, 2026 and Universo Mobile Banking on November 4, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*