Comparison

FONDEA | Personal vs Mifel

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

Head to head
About

FONDEA | Personal

Open a digital account in minutes with just your ID. Enjoy a virtual card for online purchases and subscriptions, with the option to request a physical card. Send and receive money instantly, 24/7, with no fees. Organize savings for special goals and earn annual returns on your deposited funds.

Highlights
  • Digital account opening
  • Virtual and physical cards
  • Instant money transfers
  • Personalized savings goals
  • Earned interest on savings
  • Apple Pay integration
Features
Read full description

Abre una cuenta digital Fondea | Personal en menos de 3 minutos solo con tu identificación oficial (18+) y haz que tu dinero sea imparable. Podrás disfrutar inmediatamente: TARJETA VIRTUAL Agrega tu tarjeta como método de pago para compras en línea y tus suscripciones favoritas y solicita tu tarjeta física cuando quieras. APPLE PAY Agrega tu tarjeta Fondeadora® al Apple Wallet y comienza a disfrutar la forma más rápida y segura de pagar. ENVIAR Y RECIBIR DINERO 24/7 Realiza transferencias al instante, sin restricciones de horarios ni comisiones. APARTADOS PERSONALIZADOS Organiza, separa y ahorra tu dinero fácilmente para esas metas especiales. APARTADO A 30 DÍAS Recibe el 8% de rendimiento anual por ahorrar tu dinero 1 mes y seguirá creciendo mientras lo dejes ahí. El Fondo de Protección de Sociedades Financieras Populares y de Protección a sus Ahorradores garantiza la protección de los recursos de los clientes hasta por un monto equivalente a 25,000 UDIS. Consulta requisitos de contratación, costos y comisiones en www.fondeadora.com GAT NOMINAL: 8.30% GAT REAL: 4.36% Ganancia Anual Total (GAT) Nominal antes de impuestos, GAT Real después de descontar la inflación estimada. Monto mínimo de ahorro $0.01. Plazo del ahorro: 30 días. Fecha de cálculo junio de 2026. Vigencia a diciembre de 2026. Únete hoy a Fondeadora® y haz que tu dinero sea imparable. Nuestro centro de soporte está disponible 24/7 dentro de tu app. En FONDEADORA® queremos hacer que tu dinero funcione para que tú puedas soñar. Y para tu tranquilidad, somos producto de Fondea Technologies S.A. de C.V. SFP, supervisado por el Gobierno Federal y garantizado por el Fondo de Protección hasta por 25 mil UDIS.

About

Mifel

Manage your finances, open accounts, and make secure transactions from your mobile device. Enjoy features like virtual cards for online purchases, budget control, savings goals, and investment options. Easily locate branches and ATMs, and pay bills without commission.

Highlights
  • Open accounts from your phone
  • Virtual cards for secure online shopping
  • Budget control and savings goals
  • Investment options
  • Bill payments without commission
  • SPEI and DiMo transfers
  • Branch and ATM locator
Features
Read full description

Con la App Mifel, controla tu dinero, paga e inverte desde un solo lugar. Abre tu cuenta desde tu celular ¿Aún no tienes cuenta? Ábrela sin costo ni comisiones, 100 % digital y sin necesidad de ir a sucursal. ¿Ya eres cliente? Descubre todo lo que puedes hacer: Control total de tus finanzas • Consulta movimientos y compras en tiempo real. • Descarga estados de cuenta cuando los necesites. • Si no reconoces alguna operación, levanta una aclaración directamente desde la app. Pagos y transferencias sin complicaciones • Realiza transferencias SPEI y DiMo de forma rápida y segura. • Paga servicios, impuestos y tarjetas sin comisión. • Compra por internet con tarjeta virtual, con datos dinámicos que protegen tus compras. Organización y ahorro a tu medida • Define límites de uso para tus tarjetas de débito o crédito. • Crea apartados de ahorro llamados “Objetivos” y administra mejor tu presupuesto. Invierte desde tu celular • Haz crecer tu dinero de forma fácil y segura. • Elige entre nuestras opciones de inversión digital y comienza desde la app. Seguridad que protege tu dinero • Tu privacidad y tu seguridad siempre están protegidas. Encuentra Mifel fácilmente Localiza sucursales, cajeros Mifel y aliados cercanos. Obtén la mejor ruta desde el mapa de tu dispositivo. Atención cuando la necesitas 55‑5293‑9000 800‑226‑4335 Gracias por ser parte de Mifel. Tu confianza nos impulsa a seguir mejorando tu experiencia.

Screenshots

FONDEA | Personal4 screens
Mifel4 screens

Verdict

The call

The clearest difference is review sentiment: FONDEA | Personal at 71% against Mifel's 25%. FONDEA | Personal also leads on rating (4.7 vs 4.3) and ratings volume (411 vs 6). Mifel's advantage is monetization model (free vs free with in-app purchases). On price, update cadence, ads and in-app purchases 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

FONDEA | Personal holds the better App Store score, 4.7 against 4.3. That said, the two scores are not equally well evidenced: FONDEA | Personal has 411 ratings behind it against 6, so its average is the more settled of the two. Written reviews point the same way: 71% of FONDEA | Personal's written reviews are positive against 25% of Mifel's.

UpkeepUpdate frequency

FONDEA | Personal ships an update every 2 weeks, Mifel every 3 weeks. The most recent releases landed on October 14, 2026 and October 16, 2026 respectively.

Scorecard4 real differences · 6 level
FONDEA | Personal versus Mifel: the parameters behind the verdict, then further details
ParameterFONDEA | PersonalMifel
PriceFreeFree
Rating4.7 (411 ratings) — better4.3 (6 ratings)
Positive reviews70.6% of reviews — better25.0% of reviews
Number of ratings411 — better6
Update frequencyEvery 2 weeks — betterEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhoneiPhone
Requires iOS17.616.0 — better
Further details — not scored
Size188 MB82 MB
Age rating4+17+
DeveloperFondeadora 2.0 SAPI de CVBanca Mifel, S.A., Institucion de Banca Multiple, Grupo Financiero Mifel

Customer experience

FONDEA | Personal

All ratings411 ratings
Positive92.5%
Neutral1.7%
Negative5.8%
Written reviews51 reviews
Positive70.6%
Neutral3.9%
Negative25.5%

Mifel

All ratings6 ratings
Positive83.3%
Neutral0.0%
Negative16.7%
Written reviews24 reviews
Positive25.0%
Neutral0.0%
Negative75.0%

Bugs and requests

FONDEA | Personal

Reported bugs

9 issues
  • App logs out unexpectedly and won't log back in
  • Blank/white screens when accessing account
  • Transfers show as completed but don't deposit
  • Slow transaction loading on iOS 16
  • ID recognition software fails to scan documents
Show 4 more
  • SMS verification messages not arriving
  • Balances disappear and reappear randomly
  • App freezes during purchases
  • Card cloning incidents reported

Requested features

11 requests
  • Virtual cards (create/edit anytime)
  • Cash deposits at convenience stores (OXXO, Farmacia Guadalajara)
  • Apple Pay integration
  • Increased monthly spending limits
  • Ability to pay bills and make recharges
Show 6 more
  • Credit card option
  • More ATM withdrawal locations
  • Online account statements access
  • More visible balance display on app entry
  • Better Metal card benefits
  • Improved RFC verification process

Mifel

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

FONDEA | Personal

No in-app purchases

None

Mifel

No in-app purchases

Questions

Is FONDEA | Personal free?
FONDEA | Personal is free to download, with no in-app purchases.
Is Mifel free?
Mifel is free to download, with no in-app purchases.
Which has better reviews, FONDEA | Personal or Mifel?
FONDEA | Personal is rated higher. FONDEA | Personal averages 4.7 out of 5 from 411 ratings, while Mifel averages 4.3 from 6 ratings.
Do FONDEA | Personal or Mifel have ads?
Neither FONDEA | Personal nor Mifel shows ads.
Which is updated more often, FONDEA | Personal or Mifel?
FONDEA | Personal ships an update every 2 weeks, and Mifel every 3 weeks. Most recently, FONDEA | Personal was updated on October 14, 2026 and Mifel on October 16, 2026.

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