Comparison

BCA mobile vs bale by BTN

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

bale by BTN

Manage all your banking needs and lifestyle services from a single, integrated application. Open accounts online, track financial transactions, and access property, merchant, and business services. Discover exclusive offers and manage your bills with ease.

Highlights
  • Online account opening
  • Integrated BTN ecosystem
  • Single Sign On
  • Financial transaction dashboard
  • Lifestyle and bill management
  • Property discovery and KPR simulation
  • Merchant and business services
Features
Read full description

Terima kasih telah menjadi nasabah BTN. BTN senantiasa hadir menemani perjalanan masyarakat Indonesia dengan memberikan kemudahan dan kenyamanan layanan transaksi perbankan. BTN Mobile kini bertransformasi menjadi balé by BTN, hadir dengan fitur yang lebih lengkap, layanan yang terintegrasi, dan tampilan yang lebih ceria. All You Need is Just One Click Away! Gak perlu pindah-pindah aplikasi, lebih praktis dan mudah dengan balé by BTN. Cukup dari satu aplikasi untuk akses berbagai layanan BTN dengan mudah. Dengan berbagai pembaruan fitur unggulan dan ekosistem BTN. Temukan pengalaman baru transaksi perbankan dengan fitur seperti: - Buka Rekening Online Buka rekening online secara mudah dan cepat, bisa kapan saja dan di mana saja - Ekosistem BTN Temukan layanan BTN yang terintegrasi di satu aplikasi: properti, merchant, bisnis, residence, dan Plus by Prioritas - Single Sign On Satu akun terintegrasi untuk akses semua layanan BTN - Dashboard Transaksi Keuangan Pantau aktivitas dan transaksi keuangan dalam satu dashboard yang mudah digunakan - Lifestyle Mudahkan kelola gaya hidup untuk transaksi harian hingga bayar tagihan - balé Space Ruang untuk temukan hunian impian, artikel terkini, dan promo menarik - Transaksi Bulananku Atur tagihan dengan lebih baik melalui fitur transaksi bulananku Terhubung dengan berbagai layanan BTN lainnya, seperti: • Properti Temukan rumah impian, menghitung simulasi KPR, pengajuan KPR secara online, info seputar properti, dan lainnya yang membantumu mewujudkan rumah impian • Merchant Miliki QR untuk dukung bisnis kamu dan pantau transaksi bisnis secara terperinci • Bisnis Mudahkan beragam transaksi bisnis dengan dukungan fitur dan layanan yang lengkap untuk menunjang kebutuhan bisnis kamu • Residence Kelola dan bayar berbagai tagihan hunian dengan mudah dari satu aplikasi • Plus by Prioritas Layanan ekslusif dengan konsep membership untuk nasabah BTN Prioritas, layanan dari BTN untuk memahami kebutuhan nasabah dengan beragam fasilitas unggulan. BTN berizin dan diawasi oleh Otoritas Jasa Keuangan & Bank Indonesia serta merupakan peserta penjaminan LPS. Kantor Pusat: Menara Bank BTN Jl. Gajah Mada No.1, Jakarta 10130 BTN Call: 150286/1500286 Email Contact Center: btncontactcenter@btn.co.id

Screenshots

BCA mobile4 screens
bale by BTN4 screens

Verdict

The call

The clearest difference is rating: bale by BTN at 3.3 against BCA mobile's 2.6. bale by BTN also leads on iOS requirement (13.0 vs 15.0). BCA mobile's advantage is ratings volume (278 vs 7) and update cadence (fortnightly vs every 2 months). On price, ads, in-app purchases and monetization model 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

bale by BTN holds the better App Store score, 3.3 against 2.6. That said, the two scores are not equally well evidenced: BCA mobile has 278 ratings behind it against 7, so its average is the more settled of the two. Written reviews complicate that: 14% of BCA mobile's written reviews are positive against 0% of bale by BTN'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, bale by BTN every 2 months. The most recent releases landed on October 17, 2026 and October 7, 2026 respectively.

Scorecard5 real differences · 5 level
BCA mobile versus bale by BTN: the parameters behind the verdict, then further details
ParameterBCA mobilebale by BTN
PriceFreeFree
Rating2.6 (278 ratings)3.3 (7 ratings) — better
Positive reviews13.9% of reviews — better0.0% of reviews
Number of ratings278 — better7
Update frequencyFortnightly — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.013.0 — better
Further details — not scored
Size207 MB481 MB
Age rating4+4+
DeveloperPT. Bank Central Asia TbkBANK TABUNGAN NEGARA (PERSERO), PT TBK

Customer experience

BCA mobile

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

bale by BTN

All ratings7 ratings
Positive57.1%
Neutral0.0%
Negative42.9%
Written reviews2 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

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

bale by BTN

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

BCA mobile

No in-app purchases

None

bale by BTN

No in-app purchases

Questions

Is BCA mobile free?
BCA mobile is free to download, with no in-app purchases.
Is bale by BTN free?
bale by BTN is free to download, with no in-app purchases.
Which has better reviews, BCA mobile or bale by BTN?
bale by BTN is rated higher. BCA mobile averages 2.6 out of 5 from 278 ratings, while bale by BTN averages 3.3 from 7 ratings.
Do BCA mobile or bale by BTN have ads?
Neither BCA mobile nor bale by BTN shows ads.
Which is updated more often, BCA mobile or bale by BTN?
BCA mobile ships an update fortnightly, and bale by BTN every 2 months. Most recently, BCA mobile was updated on October 17, 2026 and bale by BTN on October 7, 2026.

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