Comparison

BCA mobile vs JMO

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

JMO

Access BPJS Ketenagakerjaan services digitally without visiting an office. Manage your data, track claims, pay contributions, and view your balance. Offers a digital card, service location finder, and important news.

Highlights
  • Data updates
  • JHT claim submission and tracking
  • BPU segment contribution registration and payment
  • JHT and JP balance simulation
  • Balance check
  • Digital card
  • Service channel locations
Read full description

Inovasi terbaru layanan digital dari BPJS Ketenagakerjaan JMO memudahkanmu dalam memenuhi kebutuhan layanan digital BPJAMSOSTEK tanpa harus ke kantor cabang, kena macet, panas, hujan dan antrian yang bikin meriang. Hadir dengan berbagai fitur : 1. Pengkinian Data 2. Pengajuan & Lacak Klaim JHT 3. Kemudahan Daftar & Pembayaran Iuran Segmen BPU 4. Simulasi Saldo JHT dan JP 5. Cek Saldo 6. Kartu digital 7. Lokasi Kanal Pelayanan 8. Promo 9. Berita 10. Pengaduan 11. Laporan 12. Informasi Manfaat Unduh JMO sekarang! Berubah untuk lebih mudah! Informasi lebih lanjut silahkan menghubungi pusat layanan BPJS Ketenagakerjaan : Call center : 175 Twitter : @bpjstkinfo Facebook : BPJS Ketenagakerjaan Website : http://www.bpjsketenagakerjaan.go.id Email : care@bpjsketenagakerjaan.go.id

Screenshots

BCA mobile4 screens
JMO4 screens

Verdict

The call

The clearest difference is rating: BCA mobile at 2.6 against JMO's 2.2. BCA mobile also leads on review sentiment (14% vs 0%) and ratings volume (278 vs 23). JMO's advantage is iOS requirement (13.0 vs 15.0). 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

BCA mobile holds the better App Store score, 2.6 against 2.2. That said, the two scores are not equally well evidenced: BCA mobile has 278 ratings behind it against 23, so its average is the more settled of the two. Written reviews point the same way: 14% of BCA mobile's written reviews are positive against 0% of JMO's.

UpkeepUpdate frequency

BCA mobile ships an update fortnightly, JMO every 4 weeks. The most recent releases landed on October 23, 2026 and October 29, 2026 respectively.

Scorecard4 real differences · 6 level
BCA mobile versus JMO: the parameters behind the verdict, then further details
ParameterBCA mobileJMO
PriceFreeFree
Rating2.6 (278 ratings) — better2.2 (23 ratings)
Positive reviews13.9% of reviews — better0.0% of reviews
Number of ratings278 — better23
Update frequencyFortnightly — betterEvery 4 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.013.0 — better
Further details — not scored
Size207 MB131 MB
Age rating4+17+
DeveloperPT. Bank Central Asia TbkBPJS Ketenagakerjaan

Customer experience

BCA mobile

All ratings278 ratings
Positive36.0%
Neutral9.4%
Negative54.7%
Written reviews237 reviews
Positive13.9%
Neutral13.1%
Negative73.0%

JMO

All ratings22 ratings
Positive27.3%
Neutral0.0%
Negative72.7%
Written reviews15 reviews
Positive0.0%
Neutral13.3%
Negative86.7%

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

JMO

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

BCA mobile

No in-app purchases

None

JMO

No in-app purchases

Questions

Is BCA mobile free?
BCA mobile is free to download, with no in-app purchases.
Is JMO free?
JMO is free to download, with no in-app purchases.
Which has better reviews, BCA mobile or JMO?
BCA mobile is rated higher. BCA mobile averages 2.6 out of 5 from 278 ratings, while JMO averages 2.2 from 23 ratings.
Do BCA mobile or JMO have ads?
Neither BCA mobile nor JMO shows ads.
Which is updated more often, BCA mobile or JMO?
BCA mobile ships an update fortnightly, and JMO every 4 weeks. Most recently, BCA mobile was updated on October 23, 2026 and JMO on October 29, 2026.

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