Comparison

BCA mobile vs POSPAY

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

POSPAY

This app provides mobile access to financial services and transactions for Giropos account holders. It allows for bill payments, money transfers, financial management, and QR code payments. It extends the reach of PT Pos Indonesia's extensive service network.

Highlights
  • Bill payment for utilities, installments, and more
  • Instant money transfers via Weselpos Instan
  • Giropos account management
  • QR code scanning for merchant payments
  • Financial planning tools
Features
Read full description

POSPAY adalah platform digital berbasis rekening Giropos yang diberikan kepada pemilik rekening Giropos sehingga dapat mengakses layanan Giropos dan layanan transaksi keuangan pos lainnya secara ‘mobile’. Dengan menggunakan ‘POSPAY Anda diberikan kemudahan dan fasilitas layanan transaksi keuangan secara ‘mobile’ yang dapat diakses kapan saja dan dimana saja seperti: a. Layanan Bill Payment: Pembayaran berbagai Tagihan : Listrik, PDAM, Cicilan Motor, Mobil, BPJS, Pembelian pulsa, token listrik dan masih banyak lagi. b. Pengiriman Uang melalui layanan Weselpos Instan. Kirim uang secepat sms. c. Pengelolaan Keuangan melalui Layanan Giropos: menyimpan dana di rekening Giropos, mudah, aman dan nyaman. d. Fasilitas Scan QR Code untuk pembayaran/pembelian via merchant/Micro Payment dengan basis Rekening Giropos. e. Perencanaan Keuangan dll. Layanan ‘POSPAY’ melengkapi jaringan dan titik layanan (Point of Sales) PT Pos Indonesia (Persero) yang sudah tersedia sebelumnya sekitar 58.700 titik dalam bentuk Kantorpos, Agenpos, Mobile Postal Service, dan lain-lain di seluruh Indonesia. Gunakan POSPAY untuk kemudahan dan kenyamanan kebutuhan layanan transaksi keuangan Anda.

Screenshots

BCA mobile4 screens
POSPAY4 screens

Verdict

The call

The clearest difference is rating: BCA mobile at 2.6 against POSPAY's 1.7. BCA mobile also leads on ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, review sentiment, in-app purchases and device support 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 1.7. That said, the two scores are not equally well evidenced: BCA mobile has 277 ratings behind it against 11, so its average is the more settled of the two. Written reviews complicate that: 14% of BCA mobile's written reviews are positive against 15% of POSPAY's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

BCA mobile ships an update fortnightly, POSPAY every 6 weeks. Both last shipped on October 7, 2026.

Scorecard5 real differences · 5 level
BCA mobile versus POSPAY: the parameters behind the verdict, then further details
ParameterBCA mobilePOSPAY
PriceFreeFree
Rating2.6 (277 ratings) — better1.7 (11 ratings)
Positive reviews13.9% of reviews15.3% of reviews — better
Number of ratings277 — better11
Update frequencyFortnightly — betterEvery 6 weeks
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.0 — better15.5
Further details — not scored
Size206 MB155 MB
Age rating4+4+
DeveloperPT. Bank Central Asia TbkPT. Pos Indonesia (Persero)

Customer experience

BCA mobile

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

POSPAY

All ratings11 ratings
Positive18.2%
Neutral0.0%
Negative81.8%
Written reviews59 reviews
Positive15.3%
Neutral3.4%
Negative81.4%

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

POSPAY

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

BCA mobile

No in-app purchases

None

POSPAY

No in-app purchases

Questions

Is BCA mobile free?
BCA mobile is free to download, with no in-app purchases.
Is POSPAY free?
POSPAY is free to download, with no in-app purchases.
Which has better reviews, BCA mobile or POSPAY?
BCA mobile is rated higher. BCA mobile averages 2.6 out of 5 from 277 ratings, while POSPAY averages 1.7 from 11 ratings.
Do BCA mobile or POSPAY have ads?
POSPAY shows ads; BCA mobile does not.
Which is updated more often, BCA mobile or POSPAY?
BCA mobile ships an update fortnightly, and POSPAY every 6 weeks. Most recently, BCA mobile was updated on October 7, 2026 and POSPAY on October 7, 2026.

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