Comparison

BCA mobile vs BYOND by BSI

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

BYOND by BSI

This digital banking app offers a comprehensive suite of Sharia-compliant financial services. Easily manage accounts, make payments, invest in various assets, apply for financing, and access Islamic features like donations and prayer reminders.

Highlights
  • Open accounts remotely
  • QRIS and bill payments
  • E-wallet top-ups
  • Gold, SBSN, and deposit investments
  • Financing for various needs
  • Donations, zakat, and prayer reminders
  • Quran reader
Read full description

Selamat datang di BYOND by BSI! Aplikasi perbankan digital syariah terbesar di Indonesia. Saatnya bikin #SemuaJadiMudah aktivitas perbankanmu. Fleksibilitas Tanpa Batas BYOND by BSI hadir untuk meningkatkan aktivitas perbankanmu jadi lebih mudah. Mau buka rekening bisa tanpa keluar rumah dan bisa aktivasi akun BSI hanya melalui aplikasi BYOND. Bertransaksi Makin Lengkap & Mudah Terintegrasi dengan banyak partner sehingga aktivitas bayar dan beli beragam kebutuhan langsung dari satu aplikasi. Mau transaksi QRIS, token PLN, biaya pendidikan, top up E-Wallet, dan banyak lagi, #SemuaJadiMudah hanya untuk kamu. Persiapkan Hari Esok, Mulai Hari Ini! Rencanakan masa depan lebih pasti dengan beragam aset investasi di BYOND. Manfaatkan investasi emas, SBSN, Deposito, dan berbagai fitur investasi syariah lainnya. Wujudkan Impianmu Bareng BYOND! Punya impian? Segera wujudkan dengan produk pembiayaan yang semakin variatif. Ajukan pembiayaan untuk berbagai kebutuhan dan keinginanmu. Mulai dari cicil emas, gadai emas, Mitraguna Berkah Online, hingga kendaraan impian di BSI OTO. Dekatkan Diri Penuh Makna BYOND by BSI hadir untuk mempermudah ibadahmu dengan fitur islaminya. Berdonasi, infaq, bayar zakat, pengingat waktu shalat, baca Qur’an, hingga ibadah ke Tanah Suci, #SemuaJadiMudah dilakukan di BYOND. Saatnya bikin #SemuaJadiMudah bersama BYOND by BSI. Download sekarang!

Screenshots

BCA mobile4 screens
BYOND by BSI4 screens

Verdict

The call

The clearest difference is review sentiment: BYOND by BSI at 63% against BCA mobile's 14%. BYOND by BSI also leads on rating (4.2 vs 2.6). BCA mobile's advantage is ads (none vs shown) and update cadence (fortnightly vs every 6 weeks). On price, in-app purchases, monetization model 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

BYOND by BSI holds the better App Store score, 4.2 against 2.6. That said, the two scores are not equally well evidenced: BCA mobile has 278 ratings behind it against 19, 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 63% of BYOND by BSI's.

UpkeepUpdate frequency

BCA mobile ships an update fortnightly, BYOND by BSI every 6 weeks. The most recent releases landed on October 17, 2026 and October 16, 2026 respectively.

Scorecard5 real differences · 5 level
BCA mobile versus BYOND by BSI: the parameters behind the verdict, then further details
ParameterBCA mobileBYOND by BSI
PriceFreeFree
Rating2.6 (278 ratings)4.2 (19 ratings) — better
Positive reviews13.9% of reviews62.5% of reviews — better
Number of ratings278 — better19
Update frequencyFortnightly — betterEvery 6 weeks
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.014.0 — better
Further details — not scored
Size207 MB473 MB
Age rating4+4+
DeveloperPT. Bank Central Asia TbkPT Bank Syariah Indonesia, Tbk

Customer experience

BCA mobile

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

BYOND by BSI

All ratings19 ratings
Positive78.9%
Neutral5.3%
Negative15.8%
Written reviews16 reviews
Positive62.5%
Neutral6.3%
Negative31.3%

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

BYOND by BSI

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

BCA mobile

No in-app purchases

None

BYOND by BSI

No in-app purchases

Questions

Is BCA mobile free?
BCA mobile is free to download, with no in-app purchases.
Is BYOND by BSI free?
BYOND by BSI is free to download, with no in-app purchases.
Which has better reviews, BCA mobile or BYOND by BSI?
BYOND by BSI is rated higher. BCA mobile averages 2.6 out of 5 from 278 ratings, while BYOND by BSI averages 4.2 from 19 ratings.
Do BCA mobile or BYOND by BSI have ads?
BYOND by BSI shows ads; BCA mobile does not.
Which is updated more often, BCA mobile or BYOND by BSI?
BCA mobile ships an update fortnightly, and BYOND by BSI every 6 weeks. Most recently, BCA mobile was updated on October 17, 2026 and BYOND by BSI on October 16, 2026.

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