# BNC vs CrediTotal

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.

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.

## The numbers

| Metric | BNC | CrediTotal |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.2 (248 ratings)](https://appshunter.io/ios/app/bnc/id1635259975/reviews) | **[3.0 (108 ratings)](https://appshunter.io/ios/app/creditotal/id6566169946/reviews)** |
| Number of ratings | **248** | 108 |
| Positive reviews | 11.5% of reviews | **33.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 weeks | Every 2 weeks |
| Monetization | Free | Free |
| Size | 206 MB | 67 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Banco Nacional de Crédito](https://appshunter.io/developer/1263602184) | [Conceptual Dynamic PSC. C.A.](https://appshunter.io/developer/1579233258) |

## What reviewers say

### 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


### CrediTotal

[App page](https://appshunter.io/ios/app/creditotal/id6566169946)

Shop at Mundo Total stores nationwide and pay later in convenient installments. Enjoy fashion, electronics, pharmacy, and home goods without commissions or interest.

**Highlights:** Buy now, pay later, Shop at Mundo Total stores, Pay in installments, No commissions, No interest

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

**In-app purchases:** none

**What reviewers like**

- ✨ Excellent service
- 💯 Reliable app
- 👍 Easy to use
- 🤝 Great customer support

**What reviewers complain about**

- 🐛 App crashes or freezes
- ⚠️ Unreliable updates
- 🤔 Unclear requirements for approval
- ❌ Poor customer service

**Reported bugs**

- App not loading or opening
- Issues with identity verification
- Incompatibility with certain devices

**Requested features**

- Improve update process
- Provide more transparent approval criteria
- Enhance customer support channels


## Frequently asked questions

### Is BNC free?

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

### Is CrediTotal free?

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

### Which has better reviews, BNC or CrediTotal?

CrediTotal is rated higher. BNC averages 2.2 out of 5 from 248 ratings, while CrediTotal averages 3.0 from 108 ratings.

### Do BNC or CrediTotal have ads?

Neither BNC nor CrediTotal shows ads.

### Which is updated more often, BNC or CrediTotal?

BNC ships an update every 2 weeks, and CrediTotal every 2 weeks. Most recently, BNC was updated on September 24, 2026 and CrediTotal on September 20, 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.*