# Mercantil Banco vs BNC

The clearest difference is rating: Mercantil Banco at 4.8 against BNC's 2.2. Mercantil Banco also leads on review sentiment (42% vs 11%) and ratings volume (34K vs 261). 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.

Mercantil Banco holds the better App Store score, 4.8 against 2.2. That said, the two scores are not equally well evidenced: Mercantil Banco has 34K ratings behind it against 261, 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 11% of BNC's.

Mercantil Banco ships an update every 3 weeks, BNC every 2 weeks. The most recent releases landed on November 10, 2026 and November 7, 2026 respectively.

## The numbers

| Metric | Mercantil Banco | BNC |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (34K ratings)](https://appshunter.io/ios/app/mercantil-banco/id1446903385/reviews)** | [2.2 (261 ratings)](https://appshunter.io/ios/app/bnc/id1635259975/reviews) |
| Number of ratings | **34K** | 261 |
| Positive reviews | **42.4% of reviews** | 11.1% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 158 MB | 206 MB |
| Requires iOS | 15.5 | **15.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | +4 | 4+ |
| Developer | [Mercantil, CA, Banco Universal](https://appshunter.io/developer/555307774) | [Banco Nacional de Crédito](https://appshunter.io/developer/1263602184) |

## 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


### BNC

[App page](https://appshunter.io/ios/app/bnc/id1635259975)

Manage all your banking operations from your mobile device. This app allows you to perform transfers, make payments, manage credit cards, and handle foreign currency transactions securely with biometric authentication.

**Highlights:** Interbank transfers, Mobile payments, Credit card management, Foreign currency exchange, Biometric authentication, Bill payments, Account balance and movements

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 🔒 Biometric authentication (Face ID) implementation
- 👍 User-friendly interface design
- 💡 Innovative security features when working properly

**What reviewers complain about**

- 🐛 App freezes and becomes unresponsive frequently
- 🐛 Screen becomes completely stuck requiring reinstallation
- 🐛 Token generation fails or doesn't appear
- 🐛 Biometric login (Face ID) malfunctions
- 🐛 Cannot perform transactions when app is frozen

**Reported bugs**

- App freezes on startup and during use
- Screen becomes unresponsive to touch input
- Token lightning bolt icon fails to display
- Face ID authentication locks screen completely
- Login credentials mismatch errors

**Requested features**

- NFC payment capability from mobile app
- Multiple transactions without exiting app
- Improved biometric authentication stability
- Print/document viewing functionality
- Better offline functionality


## Frequently asked questions

### Is Mercantil Banco free?

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

### Is BNC free?

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

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

Mercantil Banco is rated higher. Mercantil Banco averages 4.8 out of 5 from 34K ratings, while BNC averages 2.2 from 261 ratings.

### Do Mercantil Banco or BNC have ads?

Neither Mercantil Banco nor BNC shows ads.

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

Mercantil Banco ships an update every 3 weeks, and BNC every 2 weeks. Most recently, Mercantil Banco was updated on November 10, 2026 and BNC on November 7, 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.*