Comparison

myBCA vs GORO

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

Head to head
About

myBCA

Manage all your banking needs from a single application. Perform domestic and international transfers, pay bills, make QRIS payments, and withdraw cash without a card. It also offers foreign currency savings and investment options.

Highlights
  • Domestic & International Transfers
  • Bill Payments
  • QRIS Payments
  • Cardless Cash Withdrawals
  • Foreign Currency Savings
  • Investment Options
  • Transaction History
Features
Read full description

From open BCA account online, transfer money online, paying bills, to managing investments — everything is accessible from just one app. myBCA is here to simplify your digital banking needs all in one place. With just one BCA ID, your financial transactions can be done anytime, anywhere. Main Features: 1. Domestic & International Transfers Send money to fellow BCA users, other banks, virtual accounts, or top up e-wallets like OVO, DANA, and more. Easily transfer foreign currencies with competitive exchange rates. Perfect for personal or business transfers — a powerful foreign exchange app. 2. Complete Bill & Daily Payment Services Pay electricity, water, internet, vehicle tax, education fees, and even credit card installments — all from within the app. 3. Practical QRIS Payments Make payments by scanning QRIS codes. Works across Indonesia, Thailand, Singapore, and Malaysia. 4. Cardless Cash Withdrawals Forgot your wallet? No problem. Use the cardless feature in myBCA to deposit or withdraw cash at any BCA ATM. 5. Fast & Secure Login Anywhere Access the app quickly and securely using fingerprint or Face ID — no need to enter your PIN repeatedly. 6. Online Foreign Currency Savings Buy and save in foreign currencies with the Poket Valas feature. Choose from up to 17 currencies, available 24/7 with great exchange rates. Ideal for business, travel, or long-term investing. Use your BCA Mastercard debit card abroad with no conversion hassle. 7. Curated Investments from Rp10,000 Start investing from just Rp10,000 with access to mutual funds and bonds. Safe, curated, and built around your investment goals — all accessible via mobile. It’s your digital account opening app for investing. 8. Financial Diary & Transaction History Track your daily expenses using Financial Diary and view your transaction history all the way back to 2016 — across all accounts in one dashboard. 9. Multi-Platform Access Access myBCA via the mobile app or web browser. Flexible and secure across devices. 10. Exclusive Features for Priority Customers Enjoy exclusive offers and services for Priority and Solitaire customers — including lifestyle, health, and travel benefits. Download myBCA Now! Download myBCA and enjoy seamless banking right from your fingertips Perfect for those looking to open BCA account online, save in foreign currencies, invest, or just pay electricity bills from home All your transactions — one app. Faster, safer, and hassle-free! #myBCA #OpenBankAccountOnlineFree #TransferUang #QRIS #TopUpEwallet #ForeignExchangeApp #OnlineInvestment #DigitalBanking #BankNewAccountOpeningOnline #myBCAPayLater

About

GORO

Invest in fractional property starting from just $1 and earn up to 10% annually with monthly income payouts. Browse a curated selection of premium properties and enjoy capital appreciation. This platform democratizes property ownership, making it accessible to everyone.

Highlights
  • Fractional property investment from $1
  • Earn up to 10% annual income
  • Monthly income payouts
  • Access to premium villas and apartments
  • Capital appreciation potential
  • 100% liquid portfolio
  • Transparent investment information
Features
Read full description

Since 2022, GORO has grown to become Indonesia’s largest fractional property investment platform, earning the trust of more than 140,000 users. Now officially a participant of the Indonesian Financial Services Authority's (OJK) Regulatory Sandbox. Start investing with any amount you like and earn up to 10% per year in monthly paid income. Just as on a conventional online marketplace, simply browse GORO’s property catalog and invest whichever you want instantly — anytime, anywhere you like, directly on the app! INVEST IN PROPERTIES FROM $1 With GORO, you may acquire pieces of the best properties, starting from a fraction of what it usually costs for a cup of coffee. This is aligned with GORO’s ultimate goal, which is to democratize property ownership and support financial inclusion, so that anyone can own and benefit from property. TRUSTED BY OVER 140,000 USERS GORO has distributed over IDR 5 billion in returns to investors, always upholding transparency and accountability in every step. EARN UP TO 10% IN MONTHLY PAID INCOME Make your dreams come true and earn monthly passive income paid directly to your account, accompanied with a detailed financial report. INVEST IN PREMIUM VILLAS AND APARTMENTS Explore a curated selection of premium villas and apartments chosen by our professional team, offering optimal return potential for your investment. ENJOY CAPITAL APPRECIATION When your property is sold, you as property owner will get to enjoy the resulting capital appreciation. 100% LIQUID, NO LOANS GORO has paid for every property on offer in cash, without any credits/loans whatsoever. You also have full control over your portfolio. Invest, hold, or sell — it’s up to you. SECURE, CONVENIENT, TRANSPARENT Enjoy a peace of mind with GORO. You may rest easy knowing that you have access to all the essential information related to your portfolio, such as property certificates, property insurance, etc. NO FUSS Do nothing except sit back and relax as you wait for your monthly paid income. Legality & Certifications: Officially graduated from the OJK Regulatory Sandbox (S-527/IK.01/2025 & S-528/IK.01/2025) Registered with the Ministry of Law and Human Rights RI (AHU-0055471.AH.01.01.TAHUN 2022) Registered with the Ministry of Communication and Informatics (PB-UMKU 250822004723300000001) Registered with the Ministry of Investment/BKPM (NIB 2508220047233) ISO 27001 Certified for Information Security Contact Us: WhatsApp:+6281290904676 Email: hello@goro.id Instagram: @goroindonesia Youtube: @goroindonesia Tiktok : @goroindonesia Twitter: @goroindonesia Facebook: @goroindonesia Linkedin: GORO Our Office: GORO Bali Office Jl. Raya Anggi Elok Blok. C No.14, Dalung, Kec. Kuta Utara, Kabupaten Badung, Bali 80361 GORO Jakarta Office Plaza Sentral Main Building Lt. 14, Jl. Jend. Sudirman No. 47, Jakarta Selatan, 12930

Screenshots

myBCA4 screens
GORO4 screens

Verdict

The call

The clearest difference is review sentiment: GORO at 100% against myBCA's 22%. GORO also leads on iOS requirement (13.0 vs 15.0). 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.

UpkeepUpdate frequency

myBCA ships an update every 3 weeks, GORO every 2 weeks. The most recent releases landed on October 23, 2026 and October 24, 2026 respectively.

Scorecard2 real differences · 8 level
myBCA versus GORO: the parameters behind the verdict, then further details
ParametermyBCAGORO
PriceFreeFree
Rating3.6 (65 ratings) — better—
Positive reviews22.2% of reviews100.0% of reviews — better
Number of ratings65 — better—
Update frequencyEvery 3 weeksEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPod, Apple WatchiPhone, iPad, iPod
Requires iOS15.013.0 — better
Further details — not scored
Size717 MB105 MB
Age rating17+17+
DeveloperPT. Bank Central Asia TbkGouw Andryan Prakasa

Customer experience

myBCA

All ratings64 ratings
Positive60.9%
Neutral14.1%
Negative25.0%
Written reviews54 reviews
Positive22.2%
Neutral22.2%
Negative55.6%

GORO

Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

myBCA

No in-app purchases

None

GORO

No in-app purchases

Questions

Is myBCA free?
myBCA is free to download, with no in-app purchases.
Is GORO free?
GORO is free to download, with no in-app purchases.
Do myBCA or GORO have ads?
Neither myBCA nor GORO shows ads.
Which is updated more often, myBCA or GORO?
myBCA ships an update every 3 weeks, and GORO every 2 weeks. Most recently, myBCA was updated on October 23, 2026 and GORO on October 24, 2026.

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