# Mercantil Banco vs Cubit

The clearest difference is review sentiment: Cubit at 100% against Mercantil Banco's 42%. Cubit also leads on rating (5.0 vs 4.8) and iOS requirement (12.0 vs 15.5). Mercantil Banco's advantage is ratings volume (33K vs 2). 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.

Cubit holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Mercantil Banco has 33K ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 42% of Mercantil Banco's written reviews are positive against 100% of Cubit's.

Mercantil Banco ships an update every 3 weeks, Cubit monthly. The most recent releases landed on October 28, 2026 and October 15, 2026 respectively.

## The numbers

| Metric | Mercantil Banco | Cubit |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (33K ratings)](https://appshunter.io/ios/app/mercantil-banco/id1446903385/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/cubit/id1589149334/reviews)** |
| Number of ratings | **33K** | 2 |
| Positive reviews | 42.2% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Monthly |
| Monetization | Free | Free |
| Size | 158 MB | 16 MB |
| Requires iOS | 15.5 | **12.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | +4 | 4+ |
| Developer | [Mercantil, CA, Banco Universal](https://appshunter.io/developer/555307774) | [PappCorn SAS](https://appshunter.io/developer/556462391) |

## What reviewers say

### Mercantil Banco

[App page](https://appshunter.io/ios/app/mercantil-banco/id1446903385)

Manage your finances securely and conveniently from your mobile device. Perform transactions, check account details, make payments, and access credit services with an intuitive interface. Features include biometric authentication for enhanced security.

**Highlights:** View account and card movements, Transfer funds between accounts and to other banks, Mobile payments via Tpago, Buy and sell foreign currency, Pay bills and recharge mobile credit, Instant cash loans, Biometric authentication

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

**In-app purchases:** none

**What reviewers like**

- ❤️ Longtime customer loyalty
- 🔑 Secure authentication
- 🤝 Reliable banking partner

**What reviewers complain about**

- 🐛 Frequent app crashes
- 🔒 Unreliable biometric authentication
- ⏱️ Slow and unresponsive app
- 🤷‍♀️ Inconsistent user experience
- 📧 Issues with receiving verification codes

**Reported bugs**

- Unable to save Pago Móvil contacts
- Face ID/Touch ID not functioning properly
- Repeated prompts to update app when no update is available
- Errors when attempting to perform transactions

**Requested features**

- Improve contact management for Pago Móvil
- Provide more self-service options
- Streamline authentication process
- Enhance app performance and stability


### Cubit

[App page](https://appshunter.io/ios/app/cubit/id1589149334)

This app teaches children and young people how to manage their money from an early age, providing them with financial education for their future. It allows children to learn to save, manage allowances, and track expenses, while parents can manage allowances and monitor their children's progress.

**Highlights:** Financial education for children, Separate parent and child profiles, Learn to save and manage allowances, Track expenses, Parental oversight and progress monitoring

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Mercantil Banco free?

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

### Is Cubit free?

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

### Which has better reviews, Mercantil Banco or Cubit?

Cubit is rated higher. Mercantil Banco averages 4.8 out of 5 from 33K ratings, while Cubit averages 5.0 from 2 ratings.

### Do Mercantil Banco or Cubit have ads?

Neither Mercantil Banco nor Cubit shows ads.

### Which is updated more often, Mercantil Banco or Cubit?

Mercantil Banco ships an update every 3 weeks, and Cubit monthly. Most recently, Mercantil Banco was updated on October 28, 2026 and Cubit on October 15, 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.*