BancoEstado vs Cencosud Scotiabank
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
BancoEstado
Manage all your banking operations quickly and securely from your phone. Pay for purchases and services, transfer money instantly, control your cards, and access investment products. It also allows for ticket purchases and managing subscriptions.
- QR payments and purchases
- Online payments
- Public transport payments
- Card management and security
- Service and loan payments
- Instant money transfers
- Balance and subscription tracking
- Investment and savings access
- Bus and train ticket purchases
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Con tu App BancoEstado todo es más fácil. La app de BancoEstado te permite gestionar todas tus operaciones bancarias de forma rápida, segura y sin moverte de donde estés. Principales funcionalidades de la app: • Pagos y compras con QR: Utiliza Compraquí QR para pagar en comercios escaneando el código con tu cuenta PagoRUT, o usa PagoRUT para pagar y cobrar de manera simple. • Paga en línea: Escanea el QR en la web del comercio y autoriza el pago con tu clave BE Pass. • Paga en el transporte público de Santiago: Con Pasaje QR RED, olvídate de las tarjetas y paga tu viaje en micro, metro y tren usando solo tu celular. • Control total de tus tarjetas: Bloquea y desbloquea tu Tarjeta CuentaRUT, Cuenta Corriente o Chequera Electrónica. Cambia, recupera o activa la clave de tu tarjeta de débito para cajeros automáticos y compras en comercios. • Gestión de pagos: Paga tus cuotas de Crédito de Consumo, Hipotecario o Tarjeta de Crédito desde la app. Además, realiza pagos de servicios como agua, luz, y teléfono de manera rápida y fácil. • Transferencias instantáneas: Envía dinero rápidamente a los contactos en tu celular o a nuevos destinatarios. • Tu saldo y suscripciones siempre bajo control: Consulta tu saldo las veces que quieras sin costo y revisa dónde tienes registradas tus tarjetas para gestionar tus suscripciones con facilidad. • Inversiones y ahorro: Accede a productos de ahorro e inversión directamente desde la app para hacer crecer tu dinero. • Giros y remesas desde la app: Realiza giros en Caja Vecina escaneando un QR, y envía remesas sin tener que ir a una sucursal. • Compra tus pasajes de bus, tren y transfer: Organiza tus viajes por Chile comprando tus pasajes desde la app de forma rápida y sencilla. •Autoriza tus operaciones con BE Pass o BE Face, sin usar la Tarjeta Clave de Transferencias. Descarga la app y realiza todas tus operaciones desde tu celular, sin preocuparte por horarios ni filas. Versión y dispositivo mínimo soportado: • iOS 12.4 – iPhone 6s (2015) Soporta actualización hasta iOS 15.X.
Cencosud Scotiabank
Manage your credit card finances with instant digital card access, cash advances, and secure payment options. Control spending, block cards, and access statements easily.
- Instant digital card
- Cash advance requests
- Secure bill payments
- Card management (block/renew)
- Debt reordering
- Expense tracking
- Download statements
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Bienvenido a tu App Cencosud Scotiabank Con la app Cencosud Scotiabank podrás: - Obtener tu tarjeta digital al instante. - Solicitar un Super Avance o Avance en efectivo desde la app. - Pagar tu estado de cuenta de forma rápida y segura. - Gestionar tus claves de internet y compras. - Bloquear tu tarjeta temporal o definitivamente en caso de pérdida o robo. - Reordenar tu deuda y organizar tus pagos fácilmente. - Revisar tus movimientos y mantener el control de tus gastos. - Descargar tus estados de cuenta cuando los necesites. - Renovar tu tarjeta si está vencida o extraviada. - Consultar tus puntos Cencosud y aprovechar tus beneficios. Descárgala hoy y lleva el control de tus finanzas.
Screenshots
Verdict
The clearest difference is rating: BancoEstado at 4.0 against Cencosud Scotiabank's 3.0. BancoEstado also leads on ratings volume (1.1K vs 2). Cencosud Scotiabank's advantage is update cadence (every 3 weeks vs every 4 months). On price, review sentiment, 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.
BancoEstado holds the better App Store score, 4.0 against 3.0. That said, the two scores are not equally well evidenced: BancoEstado has 1.1K ratings behind it against 2, so its average is the more settled of the two. Written reviews split almost evenly too, at 18% and 18% positive.
BancoEstado ships an update every 4 months, Cencosud Scotiabank every 3 weeks. The most recent releases landed on September 13, 2026 and September 17, 2026 respectively.
| Parameter | BancoEstado | Cencosud Scotiabank |
|---|---|---|
| Price | Free | Free |
| Rating | 4.0 (1.1K ratings) — better | 3.0 (2 ratings) |
| Positive reviews | 18.5% of reviews — better | 18.3% of reviews |
| Number of ratings | 1.1K — better | 2 |
| Update frequency | Every 4 months | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 | 15.0 |
| Further details — not scored | ||
| Size | 114 MB | 324 MB |
| Age rating | 4+ | 4+ |
| Developer | Banco del Estado de Chile | Scotiabank Chile |
Customer experience
BancoEstado
Cencosud Scotiabank
User reviews
BancoEstado
From 1.1K App Store ratingsWhat we love
- 🚀 Fast and efficient
- 🔒 Secure transactions
- 👍 Simple and user-friendly
- 💡 Innovative BE Pass feature
- 🌟 Overall good experience
Room to improve
- 🐛 Frequent crashes and bugs
- ⚠️ Compatibility issues with newer devices
- 🔍 Difficult to navigate and configure
- 🕰️ Slow performance and long load times
- 📵 Unable to use from abroad
Cencosud Scotiabank
From 2 App Store ratingsWhat we love
- 🚀 Quick payments
- 👍 Easy to use
- 👍 Intuitive interface
- 👍 Visible recent movements
- 👍 Clear payment status
Room to improve
- 🐛 Payments not updated
- 🐛 App not usable
- 🐛 Facial recognition not working
- 🐛 Purchases not reflected immediately
- 🐛 Incorrect card status
Bugs and requests
BancoEstado
Reported bugs
3 issues- Error messages preventing login and transactions
- Inconsistent behavior with BE Pass authorization
- Inability to update contact information and settings
Requested features
4 requests- Ability to add new payee accounts directly in the app
- Support for more payment methods and services
- Improved accessibility for users with disabilities
- Option to view transaction history and account balances
Cencosud Scotiabank
Reported bugs
33 issues- Payments not updating, showing as current debt
- Facial recognition not functioning for login
- Purchases not reflecting immediately
- App not updated for iPhone 17 Pro Max
- App not downloadable after update prompt
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- App always in maintenance
- Authorizer deactivated/not working
- Cannot pay credits through the app
- Cannot take photo of ID for account creation
- Cannot recover password due to new ID not recognized
- Cannot update data as new ID is not recognized
- Cannot verify card in Wallet/Apple Pay
- App constantly loading or buttons not working
- App not updating balance and payments
- Cannot pay full debt, only minimum
- Error when trying to pay
- App freezes when trying to update
- App not allowing to press anything to pay
- Charged for an annulled purchase
- App shows 'difficulties' error
- Cannot authorize online purchases
- Coupons not functioning
- Cannot use card for online purchases due to authenticator
- Cannot verify card with Pay
- Cannot authorize transactions, app does not refresh
- Cannot enter 'my profile' section in Cencopay
- App does not validate for Apple Pay
- Card verification stopped working
- App shows 'Ups, we are having some difficulties'
- App not working for Peru
- Web payment page hangs or blocks
- Web page fails repeatedly
- Cannot continue after entering Rut and password
Requested features
5 requests- Incorporate more user-friendly flows for benefits
- Improve the benefits section
- Add purchase notifications (push or email)
- Add app for Peru
- Improve info on offers, promotions, and discounts
In-app purchases
BancoEstado
No in-app purchases
Cencosud Scotiabank
No in-app purchases
Questions
Is BancoEstado free?
Is Cencosud Scotiabank free?
Which has better reviews, BancoEstado or Cencosud Scotiabank?
Do BancoEstado or Cencosud Scotiabank have ads?
Which is updated more often, BancoEstado or Cencosud Scotiabank?
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