# OCA vs Santander UY

The clearest difference is rating: OCA at 4.8 against Santander UY's 1.0. OCA also leads on ratings volume (331 vs 3). 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.

OCA holds the better App Store score, 4.8 against 1.0. That said, the two scores are not equally well evidenced: OCA has 331 ratings behind it against 3, so its average is the more settled of the two.

Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on November 2, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | OCA | Santander UY |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (331 ratings)](https://appshunter.io/ios/app/oca/id1450506124/reviews)** | [1.0 (3 ratings)](https://appshunter.io/ios/app/santander-uy-invitacion/id6749155083/reviews) |
| Number of ratings | **331** | 3 |
| Positive reviews | 28.6% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Monetization | Free | Free |
| Size | 280 MB | 344 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [OCA S.A.](https://appshunter.io/developer/674702227) | [Banco Santander S.A.](https://appshunter.io/developer/938240852) |

## What reviewers say

### OCA

[App page](https://appshunter.io/ios/app/oca/id1450506124)

Manage your financial accounts, apply for credit cards, loans, and insurance. View and download statements, pay bills, recharge your phone, and secure your cards with temporary blocking. Enjoy daily benefits and free transfers.

**Highlights:** Biometric login, Apply for credit and loans, View and download statements, Pay credit card bills, Mobile recharge, Card blocking and unblocking, Free transfers

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

**In-app purchases:** none


### Santander UY

[App page](https://appshunter.io/ios/app/santander-uy-invitacion/id6749155083)

This finance app is exclusively available to a select group of invited customers. Access is restricted to those who have received a personal invitation, with general release pending. Users without an invitation will be unable to log in.

**Highlights:** Invitation-only access, Exclusive customer group, Limited release, Finance management

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

**In-app purchases:** none


## Frequently asked questions

### Is OCA free?

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

### Is Santander UY free?

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

### Which has better reviews, OCA or Santander UY?

OCA is rated higher. OCA averages 4.8 out of 5 from 331 ratings, while Santander UY averages 1.0 from 3 ratings.

### Do OCA or Santander UY have ads?

Neither OCA nor Santander UY shows ads.

### Which is updated more often, OCA or Santander UY?

OCA ships an update every 3 weeks, and Santander UY every 3 weeks. Most recently, OCA was updated on November 2, 2026 and Santander UY on November 5, 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.*