Comparison

Millenniumbcp vs Coverflex

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

Head to head
About

Millenniumbcp

Manage your bank account securely 24/7, with features for payments, transfers, and investments. Open accounts digitally, use mobile payment services, and track your finances easily. Offers tools for saving, managing cards, and applying for loans.

Highlights
  • Digital account opening
  • MB WAY mobile payments
  • Contactless payments with Apple Pay
  • Savings goals with Apparte
  • Digital card twins
  • Instant loan applications
  • Privacy mode for balances
Features
Read full description

This is Millennium's app, providing secure 24/7 access to your bank account. In addition to checking balances and transactions, it offers a wide range of operations and products. Plus, it comes with various user-friendly features to simplify your banking. Here are some of them. Open an account with Digital Mobile Key Go paperless and open your Millennium account within minutes using Mobile Digital Key without the need for in-person visits. MB WAY Use MB WAY within the Millennium app to make mobile payments, send money to friends, and more. Payments and Transfers In the bottom navigation bar, you'll find these two quick options to make your everyday payments and transfers. Apple Pay Leave your wallet at home and make your secure payments with your iPhone or Apple Watch, using contactless technology. StayON With StayON, everything is centralized in one place: notification history, documents, pending transactions, Banco Mail, your account manager, and much more. Apparte Save money with goals using Apparte. Then set up automatic transfer rules, so you don't have to worry about a thing. You can also build your emergency fund. Cards All our cards now come with a digital twin version that you can use as soon as the card is approved in the app. And remember, the decision is instant. Block cards If you've lost your card or won't be using it for a while, you can block it in the app. When you're ready to use it again, just unblock it. Installments Split your credit card purchases starting from €100 into installments of 3, 6, or 9 months. Data update with Digital Mobile Key It's essential that you keep your personal details up to date to continue making transactions. You can update them in minutes using the Digital Mobile Key. Direct debits Edit or cancel your direct debits without having to go to an ATM. Get salary paid at Millennium We can assist you through the app and even provide a template email with your IBAN for your employer. Salary advance Want to get a salary advance on the 1st day of each month? Send us your application. If approved, and if you've already received a salary before, you'll receive that amount in advance on the 1st day of each month. Privacy mode Before entering the app, activate the option to hide balances and prevent prying eyes when you're in public. Notifications Get real-time notifications when your salary is deposited, when a direct debit is scheduled, when you make card payments, and much more. Touch ID and Face ID Use your phone's Touch ID or Face ID to log in to the app and authorize transactions. Insurance Get Médis health insurance, Médis Dental (only €9.90/month), Móbis car insurance, YOLO! life insurance, and ON/OFF travel insurance (for just €1.25/day). Personal and auto loans Skip the paperwork and apply for a personal or used car loan with an instant response. “How Much Can I Borrow" calculator If you're considering buying a home, use our "How Much Can I Borrow" calculator to quickly determine the loan amount you're eligible for. Mortgage loan Once you know how much you can apply for, start your mortgage loan application. You can now even submit and sign your application directly within the app. Investments area You can subscribe to investment funds, certificates, pension plans, and ETFs. If you prefer, you can also opt for Automated Investment starting from €30, and we'll take care of the rest. Virtual Assistant Questions about a feature, product, or banking concept? Our virtual assistant is here to help and can even carry out some operations at your request. And there's much more waiting for you... Install and explore all app features.

About

Coverflex

Manage your flexible compensation with this app, designed exclusively for employees of client companies. Access your compensation options and a dedicated card to spend on benefits. Take ownership of your financial well-being.

Highlights
  • Personalized compensation management
  • Dedicated spending card
  • Understand compensation details
  • Manage benefits options
  • Exclusive client company access
Features
Read full description

**Meant exclusively for employees working at companies that are Coverflex clients. The only way to have access to the Coverflex App is if the company you work at invites you to join.** Coverflex makes flexible compensation personal and simple to understand and manage on the palm of your hand. You have ownership of your process, no one else. You’ll have an app and a card to spend on all of your flexible compensation options. If you're here, it means you got an email with an invite from your company to join Coverflex. Here are your next steps: * If you’ve already set up your account, all you need to do is download the app here and fill out your details to start exploring. * If you haven’t set up your account yet, use the link on the email you got with the invitation to join Coverflex and set up to get access to the app. When that’s done, download the app here, fill out your details and start exploring. Understand your compensation and manage it your way.

Screenshots

Millenniumbcp4 screens
Coverflex4 screens

Verdict

The call

The clearest difference is review sentiment: Millenniumbcp at 62% against Coverflex's 11%. Millenniumbcp also leads on ratings volume (3.2K vs 53) and device support (3 vs 1). Coverflex's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, in-app purchases and iOS requirement 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. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Coverflex holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Millenniumbcp has 3.2K ratings behind it against 53, so its average is the more settled of the two. Written reviews complicate that: 62% of Millenniumbcp's written reviews are positive against 11% of Coverflex's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Millenniumbcp ships an update monthly, Coverflex every 6 days. The most recent releases landed on October 21, 2026 and October 5, 2026 respectively.

Scorecard7 real differences · 3 level
Millenniumbcp versus Coverflex: the parameters behind the verdict, then further details
ParameterMillenniumbcpCoverflex
PriceFreeFree
Rating4.8 (3.2K ratings)5.0 (53 ratings) — better
Positive reviews61.6% of reviews — better11.1% of reviews
Number of ratings3.2K — better53
Update frequencyMonthlyEvery 6 days — better
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, Apple Watch — betteriPhone
Requires iOS17.616.4 — better
Further details — not scored
Size377 MB104 MB
Age rating4+4+
DeveloperMillennium bcpCoverflex S.A.

Customer experience

Millenniumbcp

All ratings3,176 ratings
Positive95.3%
Neutral1.6%
Negative3.1%
Written reviews268 reviews
Positive61.6%
Neutral6.3%
Negative32.1%

Coverflex

All ratings53 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews9 reviews
Positive11.1%
Neutral0.0%
Negative88.9%

Bugs and requests

Millenniumbcp

Reported bugs

5 issues
  • Transfer amount field issues
  • Remote access security breach
  • Login and registration problems
  • Multichannel code configuration fails
  • Compatibility issues with new updates

Requested features

5 requests
  • Ability to make mortgage overpayments
  • Landscape mode support on iPad
  • Fingerprint/Face ID login
  • Better integration with website
  • More customization options

Coverflex

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Millenniumbcp

No in-app purchases

None

Coverflex

No in-app purchases

Questions

Is Millenniumbcp free?
Millenniumbcp is free to download, with no in-app purchases.
Is Coverflex free?
Coverflex is free to download, with no in-app purchases.
Which has better reviews, Millenniumbcp or Coverflex?
Coverflex is rated higher. Millenniumbcp averages 4.8 out of 5 from 3.2K ratings, while Coverflex averages 5.0 from 53 ratings.
Do Millenniumbcp or Coverflex have ads?
Millenniumbcp shows ads; Coverflex does not.
Which is updated more often, Millenniumbcp or Coverflex?
Millenniumbcp ships an update monthly, and Coverflex every 6 days. Most recently, Millenniumbcp was updated on October 21, 2026 and Coverflex on October 5, 2026.

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