Comparison

BFC Pay vs Arca

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

Head to head
About

BFC Pay

Manage your finances seamlessly with this app, offering effortless mobile payments, global money transfers, and a multi-currency travel card. Securely pay bills, access instant Sharia-compliant financing, and simplify your financial life.

Highlights
  • Effortless mobile payments
  • Global money transfers
  • Multi-currency travel card
  • Online bill payments
  • Sharia-compliant financing
  • Bulletproof security
Features
Read full description

BFC Pay is the answer to all your payment and banking needs, whether you're an individual or a business in Bahrain. Our mobile payments app is designed to make your financial life easier and more secure. With seamless digital payments, a multi-currency travel card, and a wide range of financial services, BFC Pay is the only app you'll ever need. Key Features Mobile Payments Made Effortless: Simplify your daily transactions, from saving bills to sending money to friends and family, with the tap of your finger. Global Money Transfers: Break free from borders and send money to your loved ones or make business transactions, all while enjoying competitive rates and unparalleled convenience. Travel Buddy Card: Simplify foreign exchange during travel and shopping with our multi-currency card. Easily load your card via our mobile app for seamless travel and shopping. Bulletproof Security: BFC Pay's ironclad security provides fortified protection for your valuable funds within our digital wallet. Online Bill Payments: BFC Pay lets you settle your bills through secure mobile transactions and multiple payment modes. Skip the lines and paper bills – just tap, pay and simplify your expenses. BFC is offering Advance Salary Sharia Compliant, offering access to INSTANT finance whenever and whatever you need it for 24/7 Get fast approval and instant financing disbursed to your BFC wallet/ Shari'a Compliant Profit Specifications for Personal Financing: •Fixed Murabaha Profit 8 BHD •Maximum Finance: 300 BHD •Minimum Finance: 50 BHD •Max Financing Duration: 45 Days •Minimum Financing Duration: 30 Days Islamic Financing Eligibility: • Employed (WPS customer) • Age 26 to 59 • Allowed Nationalities (India, Pakistan, Bangladesh, Nepal, China, Bahrain, Philippines, SriLanka) Finance Features: • Licensed by the CBB as a Sharia Compliant Financing Company • Fast Approvals • Easy Application Process • Instant Money Disbursed • Paperless Application • No Hidden Charges Liability Letter Fee - 0 Financial Statement - 0 Early Settlement - 1% of the outstanding credit facility amount or BD 100, whichever is lower. Late Payment Fee - 0 Release Letter Fee- 0 (No Obligation Letter) Join the digital payments revolution! Download BFC Pay now!

About

Arca

Features
Read full description

Introducing Arca — a beautifully simple AI-powered expense tracker designed to make budgeting effortless. Quickly capture your expenses and let Arca organize everything for you automatically. Whether you're tracking everyday spending, managing your monthly budget, or monitoring expenses while traveling, Arca helps you stay on top of your finances with minimal effort. EFFORTLESS EXPENSE TRACKING Add expenses in seconds using voice input, image scanning, or manual entry. Simply say something like “Spent 5 bucks on coffee and 24 on groceries today” and Arca will intelligently categorize and organize your expenses automatically. Track travel expenses effortlessly across multiple currencies and keep all your spending organized in one place. Create unlimited accounts in different currencies BEAUTIFULLY SIMPLE DESIGN Arca combines powerful budgeting tools with a calm, modern interface designed to feel fast, lightweight, and effortless to use every day. With thoughtfully crafted interactions, elegant visuals, and an intuitive layout, Arca makes expense tracking feel less like accounting — and more like a natural part of your routine. SUBSCRIPTIONS Arca offers optional auto-renewable subscriptions for premium features and AI-powered tools. Subscriptions automatically renew unless canceled at least 24 hours before the end of the current billing period. You can manage or cancel your subscription anytime in your App Store account settings. Terms of Service: https://arcaapp.notion.site/Terms-of-Service-ToS-3546852dc8d1800ba9bbf044234bad0a

Screenshots

BFC Pay4 screens
Arca4 screens

Verdict

The call

The clearest difference is in-app purchases: BFC Pay at none against Arca's 2. BFC Pay also leads on device support (3 vs 1) and iOS requirement (15.6 vs 17.0). Arca's advantage is ads (none vs shown) and update cadence (every 9 days vs monthly). On price 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. Arca sells 2 in-app purchases, starting at $4.99 per month. BFC Pay asks for nothing beyond the download.

UpkeepUpdate frequency

BFC Pay ships an update monthly, Arca every 9 days. The most recent releases landed on October 7, 2026 and September 11, 2026 respectively.

Scorecard5 real differences · 5 level
BFC Pay versus Arca: the parameters behind the verdict, then further details
ParameterBFC PayArca
PriceFreeFree
Rating4.7 (340 ratings) — better—
Positive reviews50.0% of reviews—
Number of ratings340 — better—
Update frequencyMonthlyEvery 9 days — better
AdsYesNo — better
In-app purchasesNo — betterYes
MonetizationFree with in-app purchases—
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.6 — better17.0
Further details — not scored
Size151 MB22 MB
Age rating4+4+
DeveloperBFC GROUP HOLDINGS WLLNikolai Morozov

In-app purchases

None

BFC Pay

No in-app purchases

2 purchases

Arca

Subscriptions2
  • Arca Premium Monthly$4.991 Month
  • Arca Premium Yearly7 Days trial$39.991 Year

Questions

Is BFC Pay free?
BFC Pay is free to download, with no in-app purchases.
Is Arca free?
Arca is free to download, with in-app purchases available.
Do BFC Pay or Arca have ads?
BFC Pay shows ads; Arca does not.
Which is updated more often, BFC Pay or Arca?
BFC Pay ships an update monthly, and Arca every 9 days. Most recently, BFC Pay was updated on October 7, 2026 and Arca on September 11, 2026.

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