CencoPay vs MODO
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
CencoPay
Manage your credit card and digital account with this secure and practical app. Make payments, transfer funds, pay with QR codes, purchase insurance, and shop online with exclusive benefits.
- Pay and recharge services
- Transfer money to any account
- Pay with QR code
- Contract insurance
- Shop online and in-person with benefits
Read full descriptionHide full description
Tarjeta Cencosud ahora es CencoPay Crédito. Una App renovada, más segura y práctica para que puedas operar tu tarjeta de crédito y tu cuenta digital. • Pagá y recargá servicios. • Transferí dinero a cualquier cuenta. • Pagá con QR en cualquier establecimiento. • Contratá seguros. • Comprá Online o presencial y aprovechá beneficios exclusivos.
MODO
Simplify your daily life by connecting bank accounts and cards. Pay with QR or contactless, discover instant benefits and discounts, and access various services like recharges and gift cards. Transfer money easily to contacts without needing their bank details.
- Connect bank accounts and cards
- QR and contactless payments
- Discover instant discounts and benefits
- Recharge services (SUBE, mobile, etc.)
- Send money to contacts without CBU/alias
- View all account balances
Read full descriptionHide full description
MODO es la app que simplifica tu día a día: conectá tus cuentas y tarjetas bancarias, elegí cómo pagar y aprovechá beneficios al instante. ¿Qué podés hacer con MODO? - Pagá Usá QR o contactless en comercios físicos, tiendas online y transporte. - Aprovechá beneficios Explorá la sección de Promos y descubrí descuentos de tus bancos, tarjetas y comercios: – Al pagar, te mostramos qué medio tiene promo – ¡Disfrutá reintegros super rápidos! - MODO + Aprovechá productos y servicios para tu día a día: – Recargá SUBE, celular, DIRECTV y Telecentro – Regalá gift cards de PlayStation – Contratá Sony One y Pax Assistance – Comprá pasajes con Plataforma 10 – Doná a organizaciones solidarias - Transferí Transferí directo al banco de tus contactos del celular, ¡sin pedir CBU ni alias! También podés enviar dinero a una cuenta propia. - ¡Y más! Asociá tus cuentas y tarjetas bancarias en una sola app. Podés consultar todos tus saldos en vivo. - Tené en cuenta: – Para pagar con MODO, usás las cuentas y tarjetas de tus bancos. Conocé los bancos adheridos: www.modo.com.ar/bancos – MODO es gratis, no cobramos comisiones por tus transacciones. – Tu seguridad es nuestra prioridad. Nunca te vamos a pedir dinero ni datos confidenciales. - Tus bancos en MODO: – Banco Nación - Santander - Galicia - BBVA - Macro - Patagonia - Credicoop - ICBC - Supervielle - BANCOR - Sanco Santa Fe - Ciudad - Hipotecario - Banco Entre Rios - Banco Corrientes - Banco San Juan - BPN - Banco Santa Cruz - Brubank - Naranja X - Banco Piano - Banco Columbia - Comafi - Buepp - YOY - Banco del Sol - Banco Meridian - Banco Bica - Municipal de Rosario - Reba - Banco Roela - BSE - Banco del Chubut - Banco Dino - Mariva - Banco Coinag Más información en modo.com.ar Dirección: Av. del Libertador 7208, Piso 3, Oficina 3.1., C.A.B.A.
Screenshots
Verdict
The clearest difference is rating: MODO at 4.8 against CencoPay's 4.3. MODO also leads on review sentiment (28% vs 0%) and ratings volume (1.3K vs 6). CencoPay's advantage is ads (none vs shown). On price, in-app purchases, monetization model and device support 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.
MODO holds the better App Store score, 4.8 against 4.3. That said, the two scores are not equally well evidenced: MODO has 1.3K ratings behind it against 6, so its average is the more settled of the two. Written reviews point the same way: 0% of CencoPay's written reviews are positive against 28% of MODO's.
CencoPay ships an update monthly, MODO weekly. The most recent releases landed on September 15, 2026 and September 17, 2026 respectively.
| Parameter | CencoPay | MODO |
|---|---|---|
| Price | Free | Free |
| Rating | 4.3 (6 ratings) | 4.8 (1.3K ratings) — better |
| Positive reviews | 0.0% of reviews | 27.9% of reviews — better |
| Number of ratings | 6 | 1.3K — better |
| Update frequency | Monthly | Weekly — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad — better | iPhone |
| Requires iOS | 16.6 | 16.0 — better |
| Further details — not scored | ||
| Size | 184 MB | 193 MB |
| Age rating | 9+ | 12+ |
| Developer | Cencosud | Play Digital SA |
Customer experience
CencoPay
MODO
Bugs and requests
CencoPay
Not enough reviews yet to summarise bugs or requests.
MODO
Reported bugs
3 issues- Login and registration failures
- Inability to transfer funds or make payments
- Glitches with QR code scanning
Requested features
3 requests- Add NFC payment support
- Improve notification settings
- Streamline account management and linking
In-app purchases
CencoPay
No in-app purchases
MODO
No in-app purchases
