# Caixadirecta vs Universo Mobile Banking

The clearest difference is review sentiment: Caixadirecta at 41% against Universo Mobile Banking's 0%. Caixadirecta also leads on ratings volume (2K vs 1). Universo Mobile Banking's advantage is rating (5.0 vs 4.7). 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.

Universo Mobile Banking holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: Caixadirecta has 2K ratings behind it against 1, so its average is the more settled of the two. Written reviews complicate that: 41% of Caixadirecta's written reviews are positive against 0% of Universo Mobile Banking's, so the app with the better star average is not the one people write more warmly about.

Caixadirecta ships an update every 2 weeks, Universo Mobile Banking fortnightly. The most recent releases landed on November 6, 2026 and November 4, 2026 respectively.

## The numbers

| Metric | Caixadirecta | Universo Mobile Banking |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (2K ratings)](https://appshunter.io/ios/app/caixadirecta/id1369089471/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/universo-mobile-banking/id6590635351/reviews)** |
| Number of ratings | **2K** | 1 |
| Positive reviews | **40.6% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Fortnightly |
| Monetization | Free | Free |
| Size | 399 MB | 139 MB |
| Requires iOS | 16.0 | **15.2** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Caixa Geral de Depósitos](https://appshunter.io/developer/451407052) | [UNIVERSO, IME, S.A.](https://appshunter.io/developer/1205416739) |

## What reviewers say

### Caixadirecta

[App page](https://appshunter.io/ios/app/caixadirecta/id1369089471)

Access your bank accounts, make payments, and manage finances on the go. This app offers secure and fast banking operations, including mobile payments, voice commands, and transfers. Stay updated on your financial status and interact with your bank anytime, anywhere.

**Highlights:** Access bank accounts, Make and schedule payments, Mobile payments via QR Code/Apple Pay, AI-powered digital assistant, View accounts from other banks, MB WAY transfers and withdrawals, Subscribe to products without visiting branch

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Excellent online banking service
- 🌍 Useful for clients living abroad
- 👍 Easy and intuitive to use
- 🌐 Multilingual support (English and Portuguese)

**What reviewers complain about**

- 🐛 Buggy and unreliable
- 🕰️ Slow and laggy performance
- 🤔 Confusing and unintuitive navigation
- 🔒 Overly complicated security measures
- 💻 Lack of iPad support and optimization

**Reported bugs**

- Login issues and screen freezes
- Inability to update personal information
- Recurring transfer setup problems
- Inconsistent behavior when approving transactions
- Notifications leading to nowhere in the app

**Requested features**

- Allow users to update personal details directly in the app
- Provide option to set complex passwords instead of just PINs
- Improve language settings to make them more persistent
- Add support for landscape mode on tablets
- Enhance transaction details and history


### Universo Mobile Banking

[App page](https://appshunter.io/ios/app/universo-mobile-banking/id6590635351)

Manage your finances, cards, and credit from your mobile device. Access real-time account information, make payments, and apply for loans and insurance.

**Highlights:** Digital card application, Real-time balance and transaction history, Virtual card creation for secure online payments, Personal finance and budget management, Card controls and usage alerts, Credit and insurance application, Savings and investment management

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is Caixadirecta free?

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

### Is Universo Mobile Banking free?

Universo Mobile Banking is free to download, with no in-app purchases.

### Which has better reviews, Caixadirecta or Universo Mobile Banking?

Universo Mobile Banking is rated higher. Caixadirecta averages 4.7 out of 5 from 2K ratings, while Universo Mobile Banking averages 5.0 from 1 ratings.

### Do Caixadirecta or Universo Mobile Banking have ads?

Neither Caixadirecta nor Universo Mobile Banking shows ads.

### Which is updated more often, Caixadirecta or Universo Mobile Banking?

Caixadirecta ships an update every 2 weeks, and Universo Mobile Banking fortnightly. Most recently, Caixadirecta was updated on November 6, 2026 and Universo Mobile Banking on November 4, 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.*