# FONDEA | Personal vs BCSoft OnTime

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.

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

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.

## The numbers

| Metric | FONDEA | Personal | BCSoft OnTime |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (411 ratings)](https://appshunter.io/ios/app/fondea-personal/id1438141144/reviews)** | — |
| Number of ratings | **411** | — |
| Positive reviews | 70.6% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 2 months |
| Monetization | Free with in-app purchases | — |
| Size | 188 MB | 31 MB |
| Requires iOS | 17.6 | **13.0** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [Fondeadora 2.0 SAPI de CV](https://appshunter.io/developer/1438141143) | [Baby Creysi](https://appshunter.io/developer/1532514952) |

## What reviewers say

### FONDEA | Personal

[App page](https://appshunter.io/ios/app/fondea-personal/id1438141144)

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:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and quick transfers
- 💳 Excellent for international purchases and USD transactions
- 👍 User-friendly and beautiful app design
- ⚡ Quick and responsive customer support
- 🌍 Works well for users abroad (Canada, USA, etc.)

**What reviewers complain about**

- 🐢 App is slow and takes too long to load
- 🔐 Frequent unexpected logouts
- 💳 High commission fees for physical card requests
- ⚠️ Account balance capped at 20,000 pesos
- 🚫 Limited deposit methods (SPEI only)

**Reported bugs**

- 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

**Requested features**

- 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


### BCSoft OnTime

[App page](https://appshunter.io/ios/app/bcsoft-ontime/id6670744903)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*