# Click By BNM vs Kalbe

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.

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.

## The numbers

| Metric | Click By BNM | Kalbe |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (294 ratings)](https://appshunter.io/ios/app/click-by-bnm/id1673800108/reviews)** | [4.4 (45 ratings)](https://appshunter.io/ios/app/kalbe/id6504161708/reviews) |
| Number of ratings | **294** | 45 |
| Positive reviews | 96.3% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 46 MB | 49 MB |
| Requires iOS | **15.0** | 15.1 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 17+ | 17+ |
| Developer | [Banque Nationale de Mauritanie](https://appshunter.io/developer/1407240910) | [NEOTIC S.A.R.L](https://appshunter.io/developer/1561571618) |

## What reviewers say

### Click By BNM

[App page](https://appshunter.io/ios/app/click-by-bnm/id1673800108)

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.

**Highlights:** Mobile payment wallet, Financial services for unbanked, International Mastercard, USSD service, Web portal

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

**In-app purchases:** none


### Kalbe

[App page](https://appshunter.io/ios/app/kalbe/id6504161708)

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.

**Highlights:** 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

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Click By BNM free?

Click By BNM is free to download, with no in-app purchases.

### Is Kalbe free?

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

### Which has better reviews, Click By BNM or Kalbe?

Click By BNM is rated higher. Click By BNM averages 4.7 out of 5 from 294 ratings, while Kalbe averages 4.4 from 45 ratings.

### Do Click By BNM or Kalbe have ads?

Neither Click By BNM nor Kalbe shows ads.

### Which is updated more often, Click By BNM or Kalbe?

Click By BNM ships an update every 3 months, and Kalbe every 2 weeks. Most recently, Click By BNM was updated on November 3, 2026 and Kalbe on October 30, 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.*