# AFP Modelo vs Cencosud Scotiabank

The clearest difference is review sentiment: Cencosud Scotiabank at 18% against AFP Modelo's 0%. AFP Modelo's advantage is iOS requirement (12.2 vs 15.0). On price, update cadence, ads and in-app purchases there is nothing between them.

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

AFP Modelo ships an update fortnightly, Cencosud Scotiabank every 3 weeks. The most recent releases landed on September 25, 2026 and October 14, 2026 respectively.

## The numbers

| Metric | AFP Modelo | Cencosud Scotiabank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[3.0 (2 ratings)](https://appshunter.io/ios/app/cencosud-scotiabank/id1528043621/reviews)** |
| Number of ratings | — | **2** |
| Positive reviews | 0.0% of reviews | **18.3% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 3 weeks |
| Monetization | Free | Free |
| Size | 34 MB | 324 MB |
| Requires iOS | **12.2** | 15.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [AFP Modelo](https://appshunter.io/developer/1227729388) | [Scotiabank Chile](https://appshunter.io/developer/1110467870) |

## What reviewers say

### AFP Modelo

[App page](https://appshunter.io/ios/app/afp-modelo/id1227729389)

Manage your AFP savings from anywhere in the world. Check your mandatory and voluntary savings accounts, make fund changes, and download important documents. Easily find nearby branches and contact customer support.

**Highlights:** Consult savings accounts, Change fund distributions, Download affiliation certificates, Find nearest branch, Contact customer support

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### Cencosud Scotiabank

[App page](https://appshunter.io/ios/app/cencosud-scotiabank/id1528043621)

Manage your credit card finances with instant digital card access, cash advances, and secure payment options. Control spending, block cards, and access statements easily.

**Highlights:** Instant digital card, Cash advance requests, Secure bill payments, Card management (block/renew), Debt reordering, Expense tracking, Download statements

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Quick payments
- 👍 Easy to use
- 👍 Intuitive interface
- 👍 Visible recent movements
- 👍 Clear payment status

**What reviewers complain about**

- 🐛 Payments not updated
- 🐛 App not usable
- 🐛 Facial recognition not working
- 🐛 Purchases not reflected immediately
- 🐛 Incorrect card status

**Reported bugs**

- 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

**Requested features**

- 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


## Frequently asked questions

### Is AFP Modelo free?

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

### Is Cencosud Scotiabank free?

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

### Do AFP Modelo or Cencosud Scotiabank have ads?

Neither AFP Modelo nor Cencosud Scotiabank shows ads.

### Which is updated more often, AFP Modelo or Cencosud Scotiabank?

AFP Modelo ships an update fortnightly, and Cencosud Scotiabank every 3 weeks. Most recently, AFP Modelo was updated on September 25, 2026 and Cencosud Scotiabank on October 14, 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.*