Comparison

CAIXA vs Banco Mercantil

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

Head to head
About

CAIXA

Manage your bank account and access financial services with ease. This app allows you to check balances, view statements, make transfers, and apply for loans. It also offers features for credit card management and secure online payments.

Highlights
  • Account access and management
  • Balance and statement consultation
  • Payment and transfer receipts
  • Credit card management
  • Virtual debit card creation
  • Loan applications
  • Pix transfers
Features
Read full description

O aplicativo CAIXA mudou para você acessar sua conta e usar os serviços sem complicação. Todas as funcionalidades que você estava acostumado estão aqui e, para facilitar, você agora pode usar o campo de busca no menu para encontrá-las. Na CAIXA você pode: • Acessar sua conta sempre que precisar; • Consultar saldo, extrato, comprovantes de pagamentos/transferências, inclusive compartilhar/salvar os comprovantes; • Adquirir cartão de crédito, ver fatura, pontos, consultar senha, desbloquear cartão novo, alterar data de vencimento, habilitar cartão para uso internacional e muito mais; • Ligar/desligar a função aproximação do cartão de débito; • Criar cartão de débito virtual para usar em pagamentos via Whatsapp e em compras online; • Fazer um empréstimo: Empréstimo Pessoal | Crédito Trabalhador, Consignado e Antecipação de Saque Aniversário; • Enviar e receber dinheiro por Pix, cadastrar as pessoas que você mais faz Pix nos favoritos e com um clique efetuar as transferências; • Aumentar ou diminuir o limite das transações; • Pegar seu informe de rendimentos; • Open Finance: trazer seus dados para a CAIXA e ter vantagens exclusivas; • Acompanhe sua vida financeira pelo Minha Carteira Experimente agora mesmo. Baixe agora, não fique fora da nova experiência! - Se precisar de qualquer ajuda, acesse https://www.caixa.gov.br/atendimento/canais-digitais/app-caixa-internet-banking/perguntas-frequentes/Paginas/default.aspx ou escreva para a gente - http://faleconosco.caixa.gov.br/wps/portal/faleconosco/home/formulario/sugestoes

About

Banco Mercantil

Manage your finances on the go with this secure banking app. Perform transactions, check balances, apply for loans, and manage credit cards. Access investment information and customer support easily.

Highlights
  • Open current account
  • Loan application and renewal
  • Check loan details
  • Withdraw with credit card
  • View benefit payment dates
  • Generate deposit slips
  • Transfer INSS benefits
  • Check account and investment balances
  • View income statements
  • Pay bills with barcode
Features
Read full description

O Aplicativo Mercantil é simples, prático e seguro para você usar sempre que precisar, em todos os lugares. Com ele, você pode: - Abrir sua Conta Corrente - Contratar e renovar empréstimos de acordo com o limite pré-aprovado disponível - Consultar seus empréstimos contratados - Realizar saque com o Cartão Consignado - Consultar a data de pagamento do seu benefício - Gerar boletos para fazer depósitos - Realizar a transferência de domicílio do seu Benefício INSS para o MB - Consultar saldos e extratos da conta e dos investimentos - Consultar informes de rendimentos Pessoa Física e INSS - Realizar pagamentos com código de barras - Fazer transferências entre contas Mercantil - Efetuar transferências para contas de outros bancos (TED e DOC) - Consultar faturas e limite disponível do cartão de crédito - Realizar bloqueio e desbloqueio de cartões - Consultar, autorizar, incluir, excluir e cancelar Débitos Automáticos - Realizar Análise do seu Perfil Investidor - Realizar Aplicação e Resgate em CDB - Realizar a portabilidade do seu salário para o MB - Procurar endereços do banco perto de você - Pesquisar telefones dos canais de atendimento - Falar conosco via chat - Consultar mensagens em sua Caixa Postal

Screenshots

CAIXA4 screens
Banco Mercantil4 screens

Verdict

The call

The clearest difference is rating: Banco Mercantil at 4.8 against CAIXA's 4.2. Banco Mercantil also leads on review sentiment (48% vs 21%). CAIXA's advantage is monetization model (free vs free with in-app purchases) and ratings volume (2.3K vs 703). 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

Banco Mercantil holds the better App Store score, 4.8 against 4.2. Both are backed by a comparable volume of ratings — 2.3K and 703 respectively. Written reviews point the same way: 21% of CAIXA's written reviews are positive against 48% of Banco Mercantil's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly fortnightly. The most recent releases landed on September 23, 2026 and September 24, 2026 respectively.

Scorecard4 real differences · 6 level
CAIXA versus Banco Mercantil: the parameters behind the verdict, then further details
ParameterCAIXABanco Mercantil
PriceFreeFree
Rating4.2 (2.3K ratings)4.8 (703 ratings) — better
Positive reviews21.3% of reviews47.6% of reviews — better
Number of ratings2.3K — better703
Update frequencyFortnightlyFortnightly
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.114.0 — better
Further details — not scored
Size168 MB618 MB
Age rating+17+4
DeveloperCaixa Econômica FederalMercantil do Brasil

Customer experience

CAIXA

All ratings2,313 ratings
Positive80.9%
Neutral3.7%
Negative15.4%
Written reviews221 reviews
Positive21.3%
Neutral5.0%
Negative73.8%

Banco Mercantil

All ratings703 ratings
Positive96.4%
Neutral1.3%
Negative2.3%
Written reviews105 reviews
Positive47.6%
Neutral5.7%
Negative46.7%

User reviews

CAIXA

From 2.3K App Store ratings

What we love

  • 🚀 Prático e funcional
  • 👍 Fácil de usar
  • 🚀 Muito útil

Room to improve

  • 🐛 Instabilidade e falhas frequentes
  • 🔒 Problemas de segurança e acesso
  • 🚫 Não funciona fora do Brasil
  • 🐛 Bugs e travamentos constantes

Banco Mercantil

From 703 App Store ratings

What we love

  • 👍 Modern and user-friendly interface
  • 🚀 Fast and efficient operations
  • 💡 Continuous app improvements and updates
  • 😊 Good customer understanding and support
  • ✨ Practical and easy to use

Room to improve

  • 🐌 Slow system performance and frequent downtime
  • 😤 Poor customer service and support responsiveness
  • 🔄 Excessive and problematic frequent updates
  • 📱 Intrusive advertising and promotional pop-ups
  • ⚠️ Unreliable transaction processing and delays

Bugs and requests

CAIXA

Reported bugs

3 issues
  • Não reconhece usuário e pede recadastro
  • Conexão segura não funciona
  • Problemas com PIX e transferências

Requested features

3 requests
  • Integração com cartões de crédito
  • Opção de compartilhar extratos
  • Atualização para iOS e Android

Banco Mercantil

Reported bugs

12 issues
  • PIX key pasting causes app freeze before opening app
  • Document camera only shows front-facing and fails to read documents
  • App crashes and won't open after updates
  • Face recognition not working for login
  • Password reset required repeatedly
Show 7 more
  • Update availability issues in app stores
  • Credit card function disappeared after updates
  • Transaction synchronization delays between accounts
  • Loan deposits showing incorrect amounts (0.12 cents, 5 cents instead of full amount)
  • App disconnects during operations
  • PIX transfer option missing or hidden after updates
  • Incorrect payment option defaults (parcelado vs débito em conta)

Requested features

12 requests
  • Virtual card option
  • QR code payment functionality
  • Savings account investment and withdrawal in app
  • Early loan payment/installment anticipation
  • Instant fatura payment recognition and limit restoration
Show 7 more
  • Digital wallet card registration
  • Open Finance data sharing
  • Email fatura delivery
  • Pre-approved credit limit unlocking via app
  • Salary advance for retirees
  • Biometric/fingerprint login
  • Credit card information visibility after updates

In-app purchases

None

CAIXA

No in-app purchases

None

Banco Mercantil

No in-app purchases

Questions

Is CAIXA free?
CAIXA is free to download, with no in-app purchases.
Is Banco Mercantil free?
Banco Mercantil is free to download, with no in-app purchases.
Which has better reviews, CAIXA or Banco Mercantil?
Banco Mercantil is rated higher. CAIXA averages 4.2 out of 5 from 2.3K ratings, while Banco Mercantil averages 4.8 from 703 ratings.
Do CAIXA or Banco Mercantil have ads?
Neither CAIXA nor Banco Mercantil shows ads.
Which is updated more often, CAIXA or Banco Mercantil?
CAIXA ships an update fortnightly, and Banco Mercantil fortnightly. Most recently, CAIXA was updated on September 23, 2026 and Banco Mercantil on September 24, 2026.

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