Comparison

FONDEA | Personal vs BCSoft OnTime

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

BCSoft OnTime

Features
Read full description

BCSoft OnTime, Consulta pública sobre indicadores de Banxico, para que puedas saber al día los movimientos, son obtenidas de plataformas de transacción cambiaria.

Screenshots

FONDEA | Personal4 screens
BCSoft OnTime2 screens

Verdict

The call

The clearest difference is update cadence: FONDEA | Personal at every 2 weeks against BCSoft OnTime's every 2 months. BCSoft OnTime's advantage is device support (3 vs 1) and iOS requirement (13.0 vs 17.6). On price, 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.

UpkeepUpdate frequency

FONDEA | Personal ships an update every 2 weeks, BCSoft OnTime every 2 months. The most recent releases landed on October 25, 2026 and October 12, 2026 respectively.

Scorecard3 real differences · 7 level
FONDEA | Personal versus BCSoft OnTime: the parameters behind the verdict, then further details
ParameterFONDEA | PersonalBCSoft OnTime
PriceFreeFree
Rating4.7 (411 ratings) — better—
Positive reviews70.6% of reviews—
Number of ratings411 — better—
Update frequencyEvery 2 weeks — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchases—
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS17.613.0 — better
Further details — not scored
Size188 MB31 MB
Age rating4+17+
DeveloperFondeadora 2.0 SAPI de CVBaby Creysi

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

BCSoft OnTime

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

FONDEA | Personal

No in-app purchases

None

BCSoft OnTime

No in-app purchases

Questions

Is FONDEA | Personal free?
FONDEA | Personal is free to download, with no in-app purchases.
Is BCSoft OnTime free?
BCSoft OnTime is free to download, with no in-app purchases.
Do FONDEA | Personal or BCSoft OnTime have ads?
Neither FONDEA | Personal nor BCSoft OnTime shows ads.
Which is updated more often, FONDEA | Personal or BCSoft OnTime?
FONDEA | Personal ships an update every 2 weeks, and BCSoft OnTime every 2 months. Most recently, FONDEA | Personal was updated on October 25, 2026 and BCSoft OnTime on October 12, 2026.

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