BMCE Direct vs CIH MOBILE
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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.
CIH MOBILE
Manage your bank accounts and perform various financial transactions from anywhere. Check balances, pay bills, transfer funds, manage cards, and track loans and investments. Contact your advisor and locate branches or ATMs.
- Account balance and transaction history
- Bill payments and telecom top-ups
- Card management (view, activate, block)
- Fund transfers and transfer history
- Loan and insurance product tracking
- Checkbook and RIB requests
- Branch and ATM locator
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Dès aujourd'hui, ma banque ouvre quand je le décide. AVEC CIH MOBILE, Accédez à vos comptes et réalisez toutes les opérations que vous souhaitez où que vous soyez : ● Consulter le solde de vos comptes ainsi que l’historique des dernières opérations effectuées. ● Payer vos factures ● Effectuer des recharges télécom ● Consulter la liste de vos cartes bancaires, leurs plafonds, ainsi que toutes les opérations effectuées avec chaque carte. ● Activer, désactiver ou faire opposition sur vos cartes bancaires ● Effectuer des virements et consulter l'historique de vos virements émis ● Recharger vos cartes BINATNA ainsi que ceux de vos proches et consulter l’historique de toutes vos recharges. ● Suivre vos prêts à la consommation et/ou immobiliers ● Consulter vos prélèvements ● Consulter vos produits de bancassurance ● Consulter votre portefeuille titres et l’historique des transactions effectuées. ● Commander un chéquier/LCN ● Demander votre RIB ● Simuler un crédit ● Contacter votre conseiller ● Consulter vos dotations touristiques et dotations e-commerce ● Mettre à jour votre profil ● Trouver une agence ou un GAB Cihbank proche de vous ou partout au Maroc
Screenshots
Verdict
The clearest difference is rating: BMCE Direct at 4.5 against CIH MOBILE's 4.0. CIH MOBILE's advantage is update cadence (every 5 weeks vs every 3 months) and iOS requirement (13.0 vs 15.0). On price, review sentiment, ratings volume and ads 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
BMCE Direct holds the better App Store score, 4.5 against 4.0. Both are backed by a comparable volume of ratings — 2.3K and 4K respectively. Written reviews point the same way: 37% of BMCE Direct's written reviews are positive against 30% of CIH MOBILE's.
BMCE Direct ships an update every 3 months, CIH MOBILE every 5 weeks. The most recent releases landed on September 24, 2026 and September 25, 2026 respectively.
| Parameter | BMCE Direct | CIH MOBILE |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (2.3K ratings) — better | 4.0 (4K ratings) |
| Positive reviews | 36.9% of reviews — better | 30.3% of reviews |
| Number of ratings | 2.3K | 4K — better |
| Update frequency | Every 3 months | Every 5 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 118 MB | 318 MB |
| Age rating | 4+ | 4+ |
| Developer | BMCE Bank | Crédit Immobilier et Hôtelier |
Customer experience
BMCE Direct
CIH MOBILE
Bugs and requests
BMCE Direct
Not enough reviews yet to summarise bugs or requests.
CIH MOBILE
Reported bugs
5 issues- Keyboard disappears when trying to enter verification code
- App crashes on launch or during use
- Compatibility issues with iPhone X and newer models
- Inability to add beneficiaries or make transfers
- Unreliable SMS delivery for 2-factor authentication
Requested features
5 requests- Dark mode option
- Improved transaction history and statements
- Better Arabic language support
- Seamless integration with Apple Pay and other digital wallets
- Ability to order and manage physical cards within the app
In-app purchases
BMCE Direct
No in-app purchases
CIH MOBILE
No in-app purchases
Questions
Is BMCE Direct free?
Is CIH MOBILE free?
Which has better reviews, BMCE Direct or CIH MOBILE?
Do BMCE Direct or CIH MOBILE have ads?
Which is updated more often, BMCE Direct or CIH MOBILE?
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