Comparison

BMCE Direct vs CIH MOBILE

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

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.

Highlights
  • 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
Features
Read full description

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

BMCE Direct4 screens
CIH MOBILE4 screens

Verdict

The call

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

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 4.0. 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.

UpkeepUpdate frequency

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.

Scorecard3 real differences · 7 level
BMCE Direct versus CIH MOBILE: the parameters behind the verdict, then further details
ParameterBMCE DirectCIH MOBILE
PriceFreeFree
Rating4.5 (2.3K ratings) — better4.0 (4K ratings)
Positive reviews36.9% of reviews — better30.3% of reviews
Number of ratings2.3K4K — better
Update frequencyEvery 3 monthsEvery 5 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.013.0 — better
Further details — not scored
Size118 MB318 MB
Age rating4+4+
DeveloperBMCE BankCrédit Immobilier et Hôtelier

Customer experience

BMCE Direct

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

CIH MOBILE

All ratings3,973 ratings
Positive74.6%
Neutral4.7%
Negative20.7%
Written reviews310 reviews
Positive30.3%
Neutral5.5%
Negative64.2%

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

None

BMCE Direct

No in-app purchases

None

CIH MOBILE

No in-app purchases

Questions

Is BMCE Direct free?
BMCE Direct is free to download, with no in-app purchases.
Is CIH MOBILE free?
CIH MOBILE is free to download, with no in-app purchases.
Which has better reviews, BMCE Direct or CIH MOBILE?
BMCE Direct is rated higher. BMCE Direct averages 4.5 out of 5 from 2.3K ratings, while CIH MOBILE averages 4.0 from 4K ratings.
Do BMCE Direct or CIH MOBILE have ads?
Neither BMCE Direct nor CIH MOBILE shows ads.
Which is updated more often, BMCE Direct or CIH MOBILE?
BMCE Direct ships an update every 3 months, and CIH MOBILE every 5 weeks. Most recently, BMCE Direct was updated on September 24, 2026 and CIH MOBILE on September 25, 2026.

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