BNC vs CrediTotal
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
BNC
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.
- Interbank transfers
- Mobile payments
- Credit card management
- Foreign currency exchange
- Biometric authentication
- Bill payments
- Account balance and movements
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Descarga la App BNC. ¡Descárgate un peso de encima! Todas tus operaciones bancarias en una sola App. Al descargar la App BNC, tendrás al Banco en tus manos, con la facilidad y comodidad que necesitas. Guarda tus credenciales para la validación de operaciones, y confírmalas solo con tu huella dactilar, como nuevo sistema biométrico sin el uso de las coordenadas. Ahora ir al Banco es tan fácil como sacar tu celular y usar la App BNC. Operaciones para ti: Moneda Nacional • Transferencias Interbancarias • Pago Móvil Al Instante BNC • Tarjetas de Crédito • Pagos: Terceros, Nóminas, Proveedores, Servicios, Tarjetas de Crédito y Consulta Abonos POS • Pago de Impuestos: SENIAT, Contribuyentes Especiales • Saldos y Movimientos • Fideicomisos Moneda Extranjera • Compra y Venta de Divisas: Mesa de Cambio BNC, Menudeo BNC, Intervención Cambiaria • Solicitud de Depósito y Retiro de Divisas Solicitudes • Referencias Bancarias • Depósitos Electrónicos • Actualización de Datos • Emisión de Tarjeta de Bingo BNC • Cambio de Clave: Cajero y BNCNET • Reporte a Conexión Internacional Descárgate el peso de las complicaciones y realiza todas tus operaciones en la App BNC.
CrediTotal
Shop at Mundo Total stores nationwide and pay later in convenient installments. Enjoy fashion, electronics, pharmacy, and home goods without commissions or interest.
- Buy now, pay later
- Shop at Mundo Total stores
- Pay in installments
- No commissions
- No interest
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CrediTotal compra hoy y paga después Realiza tus compras en las tiendas de Mundo Total a nivel nacional, dónde encontrarás una gran variedad de productos de moda, electrodomésticos, farmacia, hogar y mucho más. ¡Disfruta tus compras pagando en cómodas cuotas sin comisiones ni intereses!
Screenshots
Verdict
The clearest difference is rating: CrediTotal at 3.0 against BNC's 2.2. CrediTotal also leads on review sentiment (33% vs 12%). On price, ratings volume, update cadence and ads 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
CrediTotal holds the better App Store score, 3.0 against 2.2. Both are backed by a comparable volume of ratings — 248 and 108 respectively. Written reviews point the same way: 12% of BNC's written reviews are positive against 33% of CrediTotal's.
Both ship on a similar rhythm, roughly every 2 weeks. The most recent releases landed on September 24, 2026 and September 20, 2026 respectively.
| Parameter | BNC | CrediTotal |
|---|---|---|
| Price | Free | Free |
| Rating | 2.2 (248 ratings) | 3.0 (108 ratings) — better |
| Positive reviews | 11.5% of reviews | 33.0% of reviews — better |
| Number of ratings | 248 — better | 108 |
| Update frequency | Every 2 weeks | Every 2 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 | 15.0 |
| Further details — not scored | ||
| Size | 206 MB | 67 MB |
| Age rating | 4+ | 4+ |
| Developer | Banco Nacional de Crédito | Conceptual Dynamic PSC. C.A. |
Customer experience
BNC
CrediTotal
User reviews
BNC
From 248 App Store ratingsWhat we love
- 🔒 Biometric authentication (Face ID) implementation
- 👍 User-friendly interface design
- 💡 Innovative security features when working properly
Room to improve
- 🐛 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
CrediTotal
From 108 App Store ratingsWhat we love
- ✨ Excellent service
- 💯 Reliable app
- 👍 Easy to use
- 🤝 Great customer support
Room to improve
- 🐛 App crashes or freezes
- ⚠️ Unreliable updates
- 🤔 Unclear requirements for approval
- ❌ Poor customer service
Bugs and requests
BNC
Reported bugs
12 issues- 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
Show 7 moreShow fewer
- Session timeout errors and duplicate session messages
- App crashes on iOS 18 compatibility
- Biometric access blocked after freeze
- Print function non-functional
- Screenshots appear black on iOS 26
- Cannot download or reinstall app properly
- Infinite loading on login attempts
Requested features
6 requests- NFC payment capability from mobile app
- Multiple transactions without exiting app
- Improved biometric authentication stability
- Print/document viewing functionality
- Better offline functionality
Show 1 moreShow fewer
- Remote password recovery options
CrediTotal
Reported bugs
3 issues- App not loading or opening
- Issues with identity verification
- Incompatibility with certain devices
Requested features
3 requests- Improve update process
- Provide more transparent approval criteria
- Enhance customer support channels
In-app purchases
BNC
No in-app purchases
CrediTotal
No in-app purchases
