Comparison

BCA mobile vs OVO

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

Head to head
About

BCA mobile

Manage your bank accounts and perform various financial transactions on the go. This app allows for non-cash banking, card management, and even opening new accounts directly from your mobile device.

Highlights
  • Non-cash transactions
  • Card management (block/activate/PIN change)
  • Cardless ATM transactions
  • QR code transfers
  • Open new bank accounts
  • Repeat transaction storage
Read full description

Bank on the go with BCA mobile app. Conduct non-cash transactions using BCA mobile banking (m-BCA) and BCA internet banking (KlikBCA Smartphone) whenever, wherever. m-BCA Benefits 1. No SIM card changes m-BCA transactions are available through all GSM operators, including Telkomsel, XL Axiata, Indosat, Axis, and Three 2. Low transactions cost Reduce unnecessary cost using GPRS/EDGE/3G/WIFI internet connection 3. Payment Data Storage m-BCA’s storage feature enables you to conduct repeat transactions without having to input the data all over again 4. Transfer Data m-BCA saves your transfer activities--whether you’re sending funds between BCA accounts or to other banks—to a list for a time-saving and reliable banking experience 5. Practical and Easy to Use Recipient company or banking code is not required for payment and transfer transactions. For BCA mobile users, can enjoy the latest services as follows: 1. Block BCA ATM Card or BCA Credit Card facility through m-Admin menu 2. BCA Credit Card Activation feature through menu m-Admin ->Credit Card Activation 3. BCA Credit Card PIN Make / change facility via m-Admin menu ->Create / Change PIN. 4. Cardless Transaction feature through Setor Tarik menu ->Cash withdrawal and cash deposit. 5. Transfer without hassle through QR menu ->Send or receive money using QR For the time being, Cardless Transactions can be made at these following ATMs (www.bca.co.id/ATMtanpakartu) KlikBCA Easy to access KlikBCA smartphone version smartphone https://m.klikbca.com with just one click Info BCA https://www.bca.co.id/id/Individu/Produk/E-Banking/Info-BCA Open New Account Now you can open bank account anywhere just with your mobile phone. What you need to do to get your bank account is only by providing e-KTP, completing the form, and doing video call with our Customer Service Officer through BCA mobile application. After you done, you’ll get the success notification of your opening account; you might need to directly activate your mobile banking service (by creating PIN number for transaction) and deposit money to your account. Then you are ready to do any transaction with your BCA mobile application (m-BCA menu). You will also get KlikBCA account the day after you succeed creating your mobile banking PIN via email. For further assistant, call halo bca at 1500888 via cellular phone Enjoy using the BCA mobile.

About

OVO

This all-in-one app simplifies payments and savings for everyday needs and online shopping. Enjoy secure, fast transactions with numerous rewards, including cashback and discounts. Upgrade to access exclusive deals and bonus points.

Highlights
  • Secure and fast mobile payments
  • Cashback on transactions
  • Exclusive discounts and deals
  • Bill payment options
  • Savings account features
  • Welcome treats for new users
Read full description

Indonesia’s all-in-one app: Pay and Save with ease From the local market to your favorite online stores, from daily essentials to special treats, OVO fits for everyone. Whether you’re paying, shopping, or saving, OVO makes it easy and rewarding. Say goodbye to carrying cash. OVO let you handle your daily needs from your phone, securely, quickly, and with plenty of perks. Wanna see what’s in it for you? Welcome treats for new users > First top-up = zero admin fees. > Cashback up to 20.000 OVO Points (min. total transaction Rp30.000) Upgrade to OVO Nabung and enjoy more > Claim 10.000 OVO Points bonus (T&C applied). > Up to 99% off at Hokben, D’Crepes, Solaria, Alfagift, MyTelkomsel, and more. > GrabFood 75% discount up to Rp50.000. Deals that follow you everywhere > Online shopping? Cashback up to Rp1.000.000 is ready. > Cashback up to 500.000 for groceries, foods, gas station, and more. Pay your bills with Harga Jongkok > PLN token Rp10.000 for only Rp8.888. > Cashback up to 3% (max 50.000 OVO Points) for bill payments (min. Rp25.000). > Pay SBN investments and get 1% cashback (max 100.000 OVO Points). Download OVO now and unlock a simpler way to pay, save, and enjoy life, plus a bunch of deals you don’t want to miss. Instagram.com/ovo_id www.ovo.id

Screenshots

BCA mobile4 screens
OVO4 screens

Verdict

The call

The clearest difference is rating: OVO at 3.9 against BCA mobile's 2.6. OVO also leads on review sentiment (31% vs 14%). BCA mobile's advantage is monetization model (free vs free with in-app purchases). On price, ratings volume, update cadence 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

OVO holds the better App Store score, 3.9 against 2.6. Both are backed by a comparable volume of ratings — 277 and 328 respectively. Written reviews point the same way: 14% of BCA mobile's written reviews are positive against 31% of OVO's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly fortnightly. Both last shipped on September 22, 2026.

Scorecard3 real differences · 7 level
BCA mobile versus OVO: the parameters behind the verdict, then further details
ParameterBCA mobileOVO
PriceFreeFree
Rating2.6 (277 ratings)3.9 (328 ratings) — better
Positive reviews13.9% of reviews31.3% of reviews — better
Number of ratings277328 — better
Update frequencyFortnightlyFortnightly
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.015.0
Further details — not scored
Size206 MB101 MB
Age rating4+17+
DeveloperPT. Bank Central Asia TbkVisionet Internasional, Pt

Customer experience

BCA mobile

All ratings277 ratings
Positive35.7%
Neutral9.4%
Negative54.9%
Written reviews237 reviews
Positive13.9%
Neutral13.1%
Negative73.0%

OVO

All ratings328 ratings
Positive71.3%
Neutral2.1%
Negative26.5%
Written reviews227 reviews
Positive31.3%
Neutral6.6%
Negative62.1%

User reviews

BCA mobile

From 277 App Store ratings

What we love

  • 🚀 Simple, easy and user friendly
  • 🔒 Secure transactions
  • 👍 Useful features like QR code payments

Room to improve

  • 🐛 Frequent crashes and bugs
  • 🔍 Outdated and clunky UI
  • ⚠️ Compatibility issues with older devices
  • 🔑 Complicated login and verification process
  • 🔌 Connectivity issues and unreliable service

OVO

From 328 App Store ratings

What we love

  • 🚀 Easy and convenient
  • 💡 Useful features
  • 👍 Good payment app
  • 🚀 Quick transactions

Room to improve

  • 🐛 Frequent app crashes
  • 🔒 Security and privacy concerns
  • 👎 Difficult to close account
  • 🔒 Requires excessive personal data
  • 👎 Unreliable service

Bugs and requests

BCA mobile

Reported bugs

4 issues
  • Force close issues after updates
  • Verification failures and account registration problems
  • Inability to access certain features like Flazz card
  • Frequent disconnections during transactions

Requested features

5 requests
  • Add transaction history and balance tracking
  • Implement biometric login options
  • Provide English language support
  • Improve user interface and modernize the design
  • Enhance security with two-factor authentication

OVO

Reported bugs

4 issues
  • Inability to change language to English
  • Stuck transactions not resolved
  • Inconsistent app behavior
  • Delayed or missing top-up credits

Requested features

4 requests
  • Add English language option
  • Improve account closure process
  • Enhance security and privacy measures
  • Streamline transaction processing

In-app purchases

None

BCA mobile

No in-app purchases

None

OVO

No in-app purchases

Questions

Is BCA mobile free?
BCA mobile is free to download, with no in-app purchases.
Is OVO free?
OVO is free to download, with no in-app purchases.
Which has better reviews, BCA mobile or OVO?
OVO is rated higher. BCA mobile averages 2.6 out of 5 from 277 ratings, while OVO averages 3.9 from 328 ratings.
Do BCA mobile or OVO have ads?
Neither BCA mobile nor OVO shows ads.
Which is updated more often, BCA mobile or OVO?
BCA mobile ships an update fortnightly, and OVO fortnightly. Most recently, BCA mobile was updated on September 22, 2026 and OVO on September 22, 2026.

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