Comparison

BancoEstado vs Mi_Pass

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

Head to head
About

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.

Highlights
  • 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
Features
Read full description

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.

About

Mi_Pass

Securely authorize banking operations from your smartphone. This app provides a fast, simple, and safe way to validate your identity and approve transactions through your bank's digital channels. Enjoy peace of mind with industry-leading security standards.

Highlights
  • Secure operation authorization
  • Smartphone identity validation
  • High industry security standards
  • Remote transaction approval
  • Simple registration process
  • 6-digit authorization code
Read full description

Mi Pass, la forma más rápida, simple y segura de autorizar operaciones desde tu Smartphone, utilizando los canales digitales del Banco de Chile.   Mediante un seguro proceso de registro, la APP valida tu identidad y desde entonces podrás utilizar tu smartphone para autorizar operaciones desde cualquier lugar solo con tu smartphone.   La App Mi Pass cuenta con lo más altos estándares de seguridad de la industria bancaria, en el manejo de información, en la forma de autorizar operaciones y en el protocolo de seguridad para validar identidad.   En caso que tu teléfono sea robado o lo pierdas, sólo debes bloquear el dispositivo llamando a Banca Telefónica o al registrarte en tu nuevo teléfono, automáticamente queda eliminado el registro anterior. Descarga la APP Mi Pass y regístrate por única vez, crea una clave de 6 dígitos para autorizar tus operaciones y/o activar tus aplicaciones móviles. Mi Pass se puede utilizar con las aplicaciones del Banco de Chile y Banco Edwards | Citi.

Screenshots

BancoEstado4 screens
Mi_Pass4 screens

Verdict

The call

The clearest difference is rating: Mi_Pass at 4.9 against BancoEstado's 4.0. Mi_Pass also leads on update cadence (every 5 weeks vs every 4 months). On price, review sentiment, ratings volume and ads 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

Mi_Pass holds the better App Store score, 4.9 against 4.0. Both are backed by a comparable volume of ratings — 1.1K and 1.2K respectively. Written reviews point the same way: 18% of BancoEstado's written reviews are positive against 23% of Mi_Pass's.

UpkeepUpdate frequency

BancoEstado ships an update every 4 months, Mi_Pass every 5 weeks. The most recent releases landed on October 24, 2026 and October 30, 2026 respectively.

Scorecard2 real differences · 8 level
BancoEstado versus Mi_Pass: the parameters behind the verdict, then further details
ParameterBancoEstadoMi_Pass
PriceFreeFree
Rating4.0 (1.1K ratings)4.9 (1.2K ratings) — better
Positive reviews18.5% of reviews23.1% of reviews — better
Number of ratings1.1K1.2K — better
Update frequencyEvery 4 monthsEvery 5 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.0 — better15.1
Further details — not scored
Size114 MB68 MB
Age rating4+4+
DeveloperBanco del Estado de ChileBanco de Chile

Customer experience

BancoEstado

All ratings1,071 ratings
Positive75.5%
Neutral4.1%
Negative20.4%
Written reviews260 reviews
Positive18.5%
Neutral3.8%
Negative77.7%

Mi_Pass

All ratings1,216 ratings
Positive96.7%
Neutral0.7%
Negative2.6%
Written reviews13 reviews
Positive23.1%
Neutral0.0%
Negative76.9%

User reviews

BancoEstado

From 1.1K App Store ratings

What 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

Mi_Pass

From 1.2K App Store ratings

What we love

  • 💡 Potential for biometric authentication (e.g., Face ID)
  • 🚀 Fast and responsive app

Room to improve

  • 🐛 Frequent app crashes and errors
  • 🔒 Issues with phone number verification
  • 🔒 Lack of access to app when traveling or using a different device
  • 🔋 Potential battery drain issues

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

Mi_Pass

Reported bugs

3 issues
  • Phone number verification not working
  • Inability to complete transactions due to app errors
  • App not functioning properly after updates

Requested features

3 requests
  • Ability to use app on multiple devices
  • Improved phone number verification process
  • Biometric authentication options (e.g., Face ID, fingerprint)

In-app purchases

None

BancoEstado

No in-app purchases

None

Mi_Pass

No in-app purchases

Questions

Is BancoEstado free?
BancoEstado is free to download, with no in-app purchases.
Is Mi_Pass free?
Mi_Pass is free to download, with no in-app purchases.
Which has better reviews, BancoEstado or Mi_Pass?
Mi_Pass is rated higher. BancoEstado averages 4.0 out of 5 from 1.1K ratings, while Mi_Pass averages 4.9 from 1.2K ratings.
Do BancoEstado or Mi_Pass have ads?
Neither BancoEstado nor Mi_Pass shows ads.
Which is updated more often, BancoEstado or Mi_Pass?
BancoEstado ships an update every 4 months, and Mi_Pass every 5 weeks. Most recently, BancoEstado was updated on October 24, 2026 and Mi_Pass on October 30, 2026.

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