Comparison

BSP SoftToken vs Bread Financial

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

Head to head
About

BSP SoftToken

This app provides a secure and convenient way to authenticate transactions using unique One-Time Passwords (OTPs). It's designed for existing customers of a specific internet banking service, offering enhanced security with a local password and fingerprint sensor support.

Highlights
  • Secure transaction authentication
  • Generates unique One-Time Passwords (OTPs)
  • Local password protection
  • Fingerprint sensor support
  • For BSP Fiji Internet Banking customers
Features
Read full description

Here is a better way to securely perform your transactions which ensures that your transactions are authenticated wherever you are. Use BSP Fiji Soft Token App to acquire a One Time Password (OTP) which is unique and secure. BSP Fiji Soft Token App is used by BSP Fiji Internet Banking customers only. Enter your activation data sent to your mobile phone to start using BSP Fiji Soft Token. A local password created at time of activation further secures the use of the app. If phone has a fingerprint sensor then no need to keep entering password whenever an OTP is required. For queries please call our 24 hour Customer Care Centre on 132 888 or +679 323 4300 (from overseas) or email customercare@bsp.com.fj

About

Bread Financial

Manage your Comenity credit cards securely and conveniently. Track transactions, make payments, view statements, and redeem rewards. This app allows for easy account management and access to exclusive offers.

Highlights
  • Activate credit cards
  • Review transactions and statements
  • Schedule and manage payments
  • Track and redeem rewards
  • Request credit limit increase
  • Lock or unlock cards
  • Transfer balances
Currently charting
Read full description

Experience the Bread Financial® app that’s designed with you in mind! Comenity Bank and Comenity Capital Bank are Bread Financial companies. And now you can manage your Comenity® credit cards, anytime and anywhere, with the credit card app featuring some of today’s most recognized brands. Download the app to securely manage one or multiple accounts more easily! To access your account, sign in with the same username and password you use for Account Center online. If you haven’t registered for online access, you can do that — and more — in the app. Discover convenient account management: • Activate your credit card • Review transactions and account statements • Add an authorized buyer to your account • Enroll in paperless statements • Request a credit limit increase Make or change a payment with ease: • Schedule one-time payments • Set up autopay • Review your payment history • Edit or delete a scheduled payment Track your credit card rewards, if applicable: • Check your rewards balance • Redeem rewards in the amount you want • Connect to exclusive offers for your card Tap into useful features with select accounts: • Set up alerts • Lock or unlock a card • Transfer another credit card balance If you need to contact us, you can send us a message through the app’s Secure Message Center. Looking for the Bread Savings® app? That’s a separate app you can find by searching “Bread Savings” in your app store. But if you’re ready to download the Bread Financial app for credit card management, you’re in the right place! Copyright ©2026 Bread Financial. Comenity Bank and Comenity Capital Bank are Bread Financial companies.

Screenshots

BSP SoftToken2 screens
Bread Financial4 screens

Verdict

The call

The clearest difference is rating: Bread Financial at 4.8 against BSP SoftToken's 3.0. Bread Financial also leads on update cadence (every 2 weeks vs every 28 months) and ratings volume (172K vs 2). BSP SoftToken's advantage is device support (3 vs 1) and iOS requirement (14.0 vs 16.6). On price, ads, in-app purchases and monetization model 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

Bread Financial holds the better App Store score, 4.8 against 3.0. That said, the two scores are not equally well evidenced: Bread Financial has 172K ratings behind it against 2, so its average is the more settled of the two.

UpkeepUpdate frequency

BSP SoftToken ships an update every 28 months, Bread Financial every 2 weeks. The most recent releases landed on October 3, 2026 and October 17, 2026 respectively.

Scorecard6 real differences · 5 level
BSP SoftToken versus Bread Financial: the parameters behind the verdict, then further details
ParameterBSP SoftTokenBread Financial
PriceFreeFree
Rating3.0 (2 ratings)4.8 (172K ratings) — better
Positive reviews—33.9% of reviews
Number of ratings2172K — better
Update frequencyEvery 28 monthsEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
Best chart rank—#75 — better
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS14.0 — better16.6
Further details — not scored
Size6 MB102 MB
Age rating4+4+
DeveloperBank of South PacificBread Financial Holdings, Inc.

Customer experience

BSP SoftToken

All ratings2 ratings
Positive50.0%
Neutral0.0%
Negative50.0%

Bread Financial

All ratings171,905 ratings
Positive96.2%
Neutral1.4%
Negative2.4%
Written reviews1,075 reviews
Positive33.9%
Neutral8.7%
Negative57.4%

Bugs and requests

BSP SoftToken

Not enough reviews yet to summarise bugs or requests.

Bread Financial

Reported bugs

4 issues
  • Login issues and inability to access accounts
  • Disappearing transaction history and payment records
  • Delayed or inconsistent automatic payment updates
  • Compatibility issues with certain devices or operating systems

Requested features

5 requests
  • iPad app support
  • Push notifications for transactions
  • Ability to view credit score within the app
  • More robust payment plan options
  • Direct deposit for reward redemption

In-app purchases

None

BSP SoftToken

No in-app purchases

None

Bread Financial

No in-app purchases

Questions

Is BSP SoftToken free?
BSP SoftToken is free to download, with no in-app purchases.
Is Bread Financial free?
Bread Financial is free to download, with no in-app purchases.
Which has better reviews, BSP SoftToken or Bread Financial?
Bread Financial is rated higher. BSP SoftToken averages 3.0 out of 5 from 2 ratings, while Bread Financial averages 4.8 from 172K ratings.
Do BSP SoftToken or Bread Financial have ads?
Neither BSP SoftToken nor Bread Financial shows ads.
Which is updated more often, BSP SoftToken or Bread Financial?
BSP SoftToken ships an update every 28 months, and Bread Financial every 2 weeks. Most recently, BSP SoftToken was updated on October 3, 2026 and Bread Financial on October 17, 2026.

Other comparisons