# BSP SoftToken vs Bread Financial

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.

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

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.

BSP SoftToken ships an update every 28 months, Bread Financial every 2 weeks. The most recent releases landed on October 3, 2026 and October 18, 2026 respectively.

## The numbers

| Metric | BSP SoftToken | Bread Financial |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (2 ratings)](https://appshunter.io/ios/app/bsp-softtoken/id1313548049/reviews) | **[4.8 (172K ratings)](https://appshunter.io/ios/app/bread-financial/id1600495551/reviews)** |
| Number of ratings | 2 | **172K** |
| Positive reviews | — | 33.9% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 28 months | **Every 2 weeks** |
| Monetization | Free | Free |
| Best chart rank | — | **#83** |
| Size | 6 MB | 102 MB |
| Requires iOS | **14.0** | 16.6 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Bank of South Pacific](https://appshunter.io/developer/1310114568) | [Bread Financial Holdings, Inc.](https://appshunter.io/developer/1257099816) |

## What reviewers say

### BSP SoftToken

[App page](https://appshunter.io/ios/app/bsp-softtoken/id1313548049)

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:** macOS Compatibility

**In-app purchases:** none


### Bread Financial

[App page](https://appshunter.io/ios/app/bread-financial/id1600495551)

**Currently charting:** #83 Top Free · Finance (US App Store)

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

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy to use
- 💡 Convenient app for managing credit card
- 👍 Well-organized and intuitive interface
- 🚀 Smooth and responsive app
- 👍 Clean and modern design

**What reviewers complain about**

- 🐛 Frequent technical issues and app crashes
- 🔒 Security and privacy concerns
- 👎 Poor customer service and support
- 👎 Limitations in payment and reward redemption options
- 🔒 Lack of two-factor authentication

**Reported bugs**

- 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**

- 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


## Frequently asked 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 18, 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.*