Comparison

BMCE Direct vs Naps

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

Head to head
About

BMCE Direct

Manage your finances securely and conveniently with this remote banking solution. Access account details, make transfers, pay bills, recharge prepaid cards, and order checkbooks. You can also subscribe to new products, manage your cards, download documents, and contact your advisor.

Highlights
  • Account balance and history consultation
  • Secure transfers to own and other banks
  • Bill payment for utilities and more
  • Prepaid card recharge
  • Checkbook ordering
  • Online subscription to banking products
  • Card personalization and management
Features
Read full description

BMCE Direct: Your bank at your fingertips, 24/7 Manage your finances simply and securely with BMCE Direct, the Remote Banking solution from BANK OF AFRICA. Access a wide range of banking services from your computer or mobile, wherever you are and whenever you want : •Consultation: View the balance and history of your accounts, as well as the status of your cards, loans, securities accounts and bancassurance products in a wink. • Transfers and provisions: Make transfers to BANK OF AFRICA accounts or other banks securely and at a lower cost. • Bill Payment: Pay your water, electricity, phone bills and more in just a few clicks. • Prepaid Card Recharge: Easily recharge your prepaid card for your daily needs. • Checkbook order: Order a new checkbook directly from your application. • Online subscription: Subscribe to a bank card or savings or assistance products with ease. • Card management: Personalize your card settings (opposition, recharge, PIN code, activation of the endowment, activation/deactivation of payment in currencies, etc.). • Download documents: Access your account notices, bank statements, RIB and IBAN. • Updating information: Modify your GSM and email details for secure authentication of your online payments (3DS). • Contact: Communicate with your advisor or make an appointment at an agency directly from the application. And much more ! Need help ? Our advisors are available 7 days a week from 8 a.m. to 10 p.m. on 080 100 8100 (from Morocco) or + 212 5 22 42 15 42 (from abroad). BMCE Direct: Your bank that supports you on a daily basis.

About

Naps

Manage your payment account anytime, anywhere with this intuitive and secure mobile application. Track transactions, make transfers, and find NAPS agencies with ease. Enjoy autonomous financial management with a modern design.

Highlights
  • Real-time prepaid account balance
  • Card-to-card transfers
  • Daily expense tracking
  • Favorite beneficiary setup
  • NAPS agency locator
  • Secure authentication
Features
Read full description

Gérez votre argent sans contraintes ni engagement ! L’application mobile NAPS vous permet de gérer votre compte de paiement partout et à tout moment depuis votre Smartphone. Pourquoi utiliser l’application NAPS ? • Gratuité : Ce service est offert gratuitement aux clients NAPS • Autonomie: vous pouvez gérer votre compte de paiement en toute autonomie 24/7 : suivi des opérations, gestion des transferts carte à carte, etc. • Navigation intuitive: grâce à son design moderne et ses fonctionnalités innovantes, l’application vous permet de bénéficier d’un maximum de services en toute simplicité. • Sécurité: l’accès à l’application est sécurisé grâce à la technologie d’authentification forte. • Simple et pratique: vous pouvez consulter et gérer vos finances depuis votre Smartphone. Avec l’application Mobile NAPS, vous pouvez à tout moment : • Consulter en temps réel votre compte prépayé NAPS • Effectuer des transferts carte à carte • Suivre vos dépenses au quotidien • Paramétrer vos bénéficiaires favoris • Localiser une agence du réseau NAPS N’hésitez pas à nous faire part de vos suggestions et idées d’amélioration ! Rendez-vous dans la rubrique «Contactez-nous» de l’Application NAPS ou contactez directement notre Centre de Relations Clients : 05 22 91 74 75 / info@naps.ma À-propos de NAPS NAPS, établissement de paiement agréé par Bank Al-Maghrib, ouvre une nouvelle ère dans l’univers du paiement électronique au Maroc et réinvente pour vous l’expérience du paiement sécurisé. Quel que soit votre âge, votre profession ou votre revenu, souscrivez dès maintenant aux offres prépayées de NAPS et bénéficiez des avantages d’une carte prépayée de paiement et de retrait sans engagement ni banque. NAPS est une filiale de M2M Group.

Screenshots

BMCE Direct4 screens
Naps4 screens

Verdict

The call

The clearest difference is review sentiment: Naps at 75% against BMCE Direct's 37%. Naps also leads on iOS requirement (12.0 vs 15.0). BMCE Direct's advantage is ratings volume (2.3K vs 6) and rating (4.5 vs 4.2). 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

BMCE Direct holds the better App Store score, 4.5 against 4.2. That said, the two scores are not equally well evidenced: BMCE Direct has 2.3K ratings behind it against 6, so its average is the more settled of the two. Written reviews complicate that: 37% of BMCE Direct's written reviews are positive against 75% of Naps's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

BMCE Direct ships an update every 3 months, Naps every 2 months. The most recent releases landed on September 24, 2026 and September 8, 2026 respectively.

Scorecard4 real differences · 6 level
BMCE Direct versus Naps: the parameters behind the verdict, then further details
ParameterBMCE DirectNaps
PriceFreeFree
Rating4.5 (2.3K ratings) — better4.2 (6 ratings)
Positive reviews36.9% of reviews75.0% of reviews — better
Number of ratings2.3K — better6
Update frequencyEvery 3 monthsEvery 2 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.012.0 — better
Further details — not scored
Size118 MB76 MB
Age rating4+17+
DeveloperBMCE BankM2MGroup

Customer experience

BMCE Direct

All ratings2,295 ratings
Positive86.7%
Neutral3.3%
Negative10.0%
Written reviews157 reviews
Positive36.9%
Neutral10.8%
Negative52.2%

Naps

All ratings6 ratings
Positive66.7%
Neutral33.3%
Negative0.0%
Written reviews4 reviews
Positive75.0%
Neutral0.0%
Negative25.0%

In-app purchases

None

BMCE Direct

No in-app purchases

None

Naps

No in-app purchases

Questions

Is BMCE Direct free?
BMCE Direct is free to download, with no in-app purchases.
Is Naps free?
Naps is free to download, with no in-app purchases.
Which has better reviews, BMCE Direct or Naps?
BMCE Direct is rated higher. BMCE Direct averages 4.5 out of 5 from 2.3K ratings, while Naps averages 4.2 from 6 ratings.
Do BMCE Direct or Naps have ads?
Neither BMCE Direct nor Naps shows ads.
Which is updated more often, BMCE Direct or Naps?
BMCE Direct ships an update every 3 months, and Naps every 2 months. Most recently, BMCE Direct was updated on September 24, 2026 and Naps on September 8, 2026.

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