Comparison

Banca Móvil BAC vs Dilo

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

Head to head
About

Banca Móvil BAC

Manage your personal finances with this banking app. Check balances, transfer funds between accounts and to other banks, pay bills, and make mobile recharges. Securely manage your accounts, cards, and loans with features like temporary card locking and cardless ATM withdrawals.

Highlights
  • Check account balances and movements
  • Transfer money between accounts and to other banks
  • Pay for services and make recharges
  • Temporarily lock/unlock debit and credit cards
  • Cardless ATM withdrawals
  • Manage savings goals
  • View loan balances and make payments
Features
Read full description

Keep control of your personal finances and enjoy an innovative experience. From Mobile Banking you can check balances, transfer money to accounts in other banks, pay for your services and make recharges from your mobile device. LEARN EVERYTHING YOU CAN DO WITH BAC MOBILE BANKING Check balances: [+] Check the balance of your bank accounts, cards, savings, loans, pension and investment funds on a single screen. Bank accounts: [+] Consult balances and movements. [+] Share your account number easily. [+] Use the "I want" menu for quick options. [+] Verify retained transactions. [+] Resend proof of past transactions. [+] Quickly visualize your card data. [+] Temporarily lock and unlock debit cards whenever you want. Credit cards: [+] View recent transactions, and transactions from previous months. [+] Temporarily block and unblock when desired credit cards. [+] View and redeem loyalty plan points for your cards. [+] View Payment Dates and minimum and cash payment amounts. [+] View financing details. [+] Pay your card or third party cards with your bank accounts. [+] Verify your payments made on the day. Transfers: [+] Transfer money between your accounts or to third party BAC accounts. [+] Make transfers to other banks either SINPE or ACH. [+] Make SINPE Mobile transfers (Costa Rica users). [+] Send money with Kash (1). [+] Share the voucher through third party messaging Apps (Ex: WhatsApp). [+] Identify with a "star" the destination accounts that are secure favorites and do not require the use of a security device. Cardless withdrawals: [+] Withdraw money from ATM or Rapibac points only with a code created from the App. [+] View historical withdrawals and pending withdrawals. [+] Cancel withdrawal codes you no longer need to reintegrate the money immediately. Payment of services: [+] Add or remove payment favorites. [+] Edit the name of your favorites. [+] View service payment history. [+] Sort your favorites according to the order you want. My Finances: [+] Review your product expenses and income. [+] Recategorize payments according to your preferences. Savings Goals: (2) [+] Open new accounts and create new Goals. [+] Consult the movements associated with savings. [+] Make extraordinary savings to your BAC Objectives. Requests: [+] Manage issues related to your accounts, cards, etc., such as: claims, certification letters, redemption of points, among others. [+] View the history of requests made. Loans: [+] Consult the total balance of personal, pledge, mortgage and leasing loans. [+] Make the payment of your loans. Other features: [+] Activate your BAC Code and simplify. [+] Login with Touch ID or Face ID. [+] Make approvals of your transactions. [+] Manage the devices from which you log in. [+] Check the exchange rate. [+] Change the PIN of your debit or credit card. [+] Contact us via WhatsApp with the option in the "More" menu. [+] Switch language between Spanish and English. Locations: [+] Guatemala: Avenue La Reforma 9-76, Guatemala city [+] El Salvador: Avenue Olímpica, San Salvador, El Salvador [+] Honduras: Boulevard Suyapa, Tegucigalpa, Francisco Morazán, Honduras [+] Nicaragua: BAC Center, Km 4 1/2 Highway to Masaya, Nicaragua [+] Costa Rica: Plaza Roble, Guachipelín, Escazú, Costa Rica. [+] Panamá: BAC tower, Av Balboa Cls 42 y 43, Bella Vista Panamá - Panamá. Related fees: Do not apply Considerations: (1): Enabled in Guatemala, Honduras, El Salvador and Costa Rica. (2): Functionality not enabled for Nicaragua. Requirements for optimal operation: [+] iOS 15 or higher, lower versions do not ensure proper operation. [+] Requires a stable internet connection. If your device has problems with the iOS version, we suggest using the website www.sucursalelectronica.com in your mobile browser. If you have doubts or problems with any functionality you can visit: https://ayuda.baccredomatic.com/es

About

Dilo

Manage your finances easily and securely from your phone. Send and receive money instantly, pay bills, and access a network of authorized agents for cash deposits and withdrawals. Enjoy a convenient digital wallet experience.

Highlights
  • Send and receive money instantly
  • Load wallet via bank account or cash
  • Pay over 450 services and bills
  • Receive international remittances
  • QR code payments
  • Cash withdrawal via agents and ATMs
Features
Read full description

¡Viví la nueva experiencia Dilo! Envía, pagá y recibí dinero. Dilo es tu plataforma digital para manejar tu dinero de forma fácil, rápida y segura. Enviá y recibí dinero, pagá servicios, comprá con QR, recibí remesas, recargá tu celular y administrá tus Tarjetas Dilo. Además, con Comercio Dilo podés recibir pagos con QR de forma fácil y rápida en tu negocio, todo desde un solo lugar. NUEVAS FUNCIONALIDADES Convertí tu app Dilo en Comercio Dilo Si tenés un pequeño comercio, negocio o emprendimiento, ahora podés recibir pagos digitales directamente desde Dilo. Con Comercio Dilo obtenés tu propio código QR para recibir pagos de forma fácil, rápida y segura. Tus clientes solo tienen que escanear tu QR desde Dilo, ingresar el monto y confirmar el pago. • Recibí pagos con QR directamente en tu Comercio Dilo. • Tené tu propio código QR para cobrar. • Recibí confirmación de tus pagos realizados. • Sin necesidad de efectivo, o equipos adicionales. ¡Ya están disponibles las Tarjetas Dilo! Administrá tus tarjetas Virtual y Física directamente desde la app, de forma rápida, segura y desde un solo lugar. Administrá tus tarjetas desde Dilo: • Congelar, descongelar o destruir • Asignar o cambiar PIN. • Destrucción segura. • Gestión completa en tiempo real. Cargá tu App Dilo con tarjetas de cualquier banco Recargá tu billetera con tarjetas Visa y Mastercard utilizando autenticación 3DS en todas tus transacciones para una experiencia más segura. Pagá más de 450 servicios Electricidad, agua, internet, telefonía, Cable, Financieras y mucho más, desde un solo lugar. Comprá boletos para tus eventos favoritos Nueva experiencia optimizada para comprar tu boletería de forma rápida y simple. Además podés: • Enviar y recibir dinero al instante • Cobra tus remesas 24/7 • Retirar efectivo sin tarjeta. • Recargar tu celular. • Administrar tus finanzas desde cualquier lugar.

Screenshots

Banca Móvil BAC4 screens
Dilo4 screens

Verdict

The call

The clearest difference is review sentiment: Dilo at 100% against Banca Móvil BAC's 29%. Dilo also leads on rating (5.0 vs 4.4) and monetization model (free vs free with in-app purchases). Banca Móvil BAC's advantage is ratings volume (1.6K vs 1) and iOS requirement (13.0 vs 15.1). On price, update cadence, 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

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

Dilo holds the better App Store score, 5.0 against 4.4. That said, the two scores are not equally well evidenced: Banca Móvil BAC has 1.6K ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 29% of Banca Móvil BAC's written reviews are positive against 100% of Dilo's.

UpkeepUpdate frequency

Banca Móvil BAC ships an update monthly, Dilo every 2 weeks. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.

Scorecard5 real differences · 5 level
Banca Móvil BAC versus Dilo: the parameters behind the verdict, then further details
ParameterBanca Móvil BACDilo
PriceFreeFree
Rating4.4 (1.6K ratings)5.0 (1 ratings) — better
Positive reviews29.1% of reviews100.0% of reviews — better
Number of ratings1.6K — better1
Update frequencyMonthlyEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.0 — better15.1
Further details — not scored
Size263 MB255 MB
Age rating4+4+
DeveloperBac Credomatic NetworkDilo

Customer experience

Banca Móvil BAC

All ratings1,580 ratings
Positive84.7%
Neutral2.7%
Negative12.7%
Written reviews127 reviews
Positive29.1%
Neutral9.4%
Negative61.4%

Dilo

Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

Banca Móvil BAC

Reported bugs

4 issues
  • App crashes on launch
  • Unable to generate BAC code
  • Transfer functionality not working
  • Incorrect account information displayed

Requested features

4 requests
  • Add support for Apple Pay and mobile wallets
  • Implement dark mode option
  • Improve transaction history and reporting
  • Allow transferring between own accounts

Dilo

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Banca Móvil BAC

No in-app purchases

None

Dilo

No in-app purchases

Questions

Is Banca Móvil BAC free?
Banca Móvil BAC is free to download, with no in-app purchases.
Is Dilo free?
Dilo is free to download, with no in-app purchases.
Which has better reviews, Banca Móvil BAC or Dilo?
Dilo is rated higher. Banca Móvil BAC averages 4.4 out of 5 from 1.6K ratings, while Dilo averages 5.0 from 1 ratings.
Do Banca Móvil BAC or Dilo have ads?
Neither Banca Móvil BAC nor Dilo shows ads.
Which is updated more often, Banca Móvil BAC or Dilo?
Banca Móvil BAC ships an update monthly, and Dilo every 2 weeks. Most recently, Banca Móvil BAC was updated on November 1, 2026 and Dilo on November 3, 2026.

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