Click By BNM vs Kalbe
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Click By BNM
This mobile payment solution aims to promote financial inclusion and reduce cash usage by offering a secure digital wallet. It provides access to basic financial services for the unbanked, digitizes daily transactions, and supports e-commerce and electronic payments.
- Mobile payment wallet
- Financial services for unbanked
- International Mastercard
- USSD service
- Web portal
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Afin d’accompagner la stratégie d’inclusion financière, de combattre l’utilisation massive du cash au niveau national et d’accompagner la population dans la transition d’une solution cash vers une nouvelle solution innovante, CLICK offre à ses utilisateurs une solution Mobile paiement (Wallet) qui en plus de garantir la sécurité, vise à faciliter l’accès aux services financiers de base aux populations non bancarisées, digitaliser le quotidien, stimuler la croissance et l’entreprenariat, créer de l’emploi, développer le e-commerce, généraliser le paiement électronique et accélérer l’inclusion financière. La solution Click met à la disposition de sa clientèle une gamme de services financiers et transactionnels sans avoir de compte bancaire. Elle met également à la disposition de sa clientèle une application mobile, une carte de paiement internationale Mastercard, un service USSD, des TPE et un portail web afin de digitaliser l’activité de ses utilisateurs.
Kalbe
Manage your international payments with a virtual card. Easily top up using local currency and spend globally in USD for online purchases, subscriptions, and advertising. Enjoy a secure and flexible alternative to traditional bank cards.
- Virtual card for international payments
- Local currency top-ups (MRU)
- Spend in US dollars globally
- Secure financial management
- Alternative to traditional bank cards
- Online purchase and subscription payments
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Kalbe offers you a virtual card that simplifies your international payments! Easily top up with local currency (MRU) and spend anywhere in the world. Whether you're making online purchases, paying subscriptions, or advertising on social media, Kalbe helps you manage your finances simply and securely. With a local top-up process, you can load your card using traditional payment methods and then make transactions in US dollars without worry. Enjoy a flexible and transparent solution for your global payments, free from the limitations of traditional bank cards.
Screenshots
Verdict
The clearest difference is update cadence: Kalbe at every 2 weeks against Click By BNM's every 3 months. Click By BNM's advantage is rating (4.7 vs 4.4) and ratings volume (294 vs 45). On price, review sentiment, ads and in-app purchases 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.
Click By BNM holds the better App Store score, 4.7 against 4.4. That said, the two scores are not equally well evidenced: Click By BNM has 294 ratings behind it against 45, so its average is the more settled of the two. Written reviews complicate that: 96% of Click By BNM's written reviews are positive against 100% of Kalbe's, so the app with the better star average is not the one people write more warmly about.
Click By BNM ships an update every 3 months, Kalbe every 2 weeks. The most recent releases landed on November 3, 2026 and October 30, 2026 respectively.
| Parameter | Click By BNM | Kalbe |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (294 ratings) — better | 4.4 (45 ratings) |
| Positive reviews | 96.3% of reviews | 100.0% of reviews — better |
| Number of ratings | 294 — better | 45 |
| Update frequency | Every 3 months | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 46 MB | 49 MB |
| Age rating | 17+ | 17+ |
| Developer | Banque Nationale de Mauritanie | NEOTIC S.A.R.L |
Customer experience
Click By BNM
Kalbe
In-app purchases
Click By BNM
No in-app purchases
Kalbe
No in-app purchases
