BCA mobile vs GoPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Non-cash transactions
- Card management (block/activate/PIN change)
- Cardless ATM transactions
- QR code transfers
- Open new bank accounts
- Repeat transaction storage
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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.
GoPay
This app facilitates easy money transfers, bill payments, and online transactions. Users can top up mobile credit, pay for services like electricity and streaming, and make purchases on various e-commerce platforms. It also offers features for gaming top-ups, savings, and loans.
- Free bank transfers up to 100x/month
- Top-ups for digital wallets and mobile credit
- Pay bills and services (PLN, PDAM, BPJS)
- QRIS payments with cashback
- In-app game and voucher top-ups
- Savings accounts with interest
- Online cash loans and installments
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QRIS for Everyday Purchases Enjoy GoPay Coins cashback every time you pay with GoPay QRIS. Shop abroad with ease using QRIS Cross Border, and pay for public transportation seamlessly with QRIS Tap. Top Up from Anywhere Top up from various e-wallets such as AstraPay, DANA, iSaku, LinkAja, OVO, and ShopeePay. You can also top up via debit card and virtual account, as well as top up and withdraw cash at Alfamart and Indomaret. FREE Transfer Fees Enjoy FREE transfers to all banks up to 100x/month, as well as transfers to various e-wallets such as AstraPay, DANA, iSaku, LinkAja, OVO, ShopeePay, and FLIP. Transfer with peace of mind. With the On-Time Transfer Guarantee, you'll receive 50,000 GoPay Coins if your transfer takes longer than 1 minute. Pay & Buy What You Need Pay for PLN electricity tokens, mobile credit and data packages, PDAM, BPJS Employment and Health, vehicle tax, and other bills. Use GoPay to pay for GoFood, GoSend, GoRide, and GoCar, as well as purchases at various e-commerce platforms. You can also purchase movie tickets here. Split Bill Splitting expenses is easy with Split Bill. Just snap a photo of the receipt, and payment requests will be sent directly to your friends' GoPay wallets. MURAAAH Deals, Cashback & Discounts Save more with GoPay! Get Rp15,000 mobile credit for just Rp9,900 and Rp20,000 PLN electricity token for only Rp14,000. Enjoy great-value data packages from various providers, plus cashback of up to Rp25,000 for new users. You can also earn bonus GoPay Coins by playing free reward-based games. Save More with GoPay Savings by Jago Grow your money with attractive interest rates. Your deposits are protected by LPS, so you can save with confidence. Use your balance for top-ups and payments, or keep saving directly from your GoPay wallet. Quick activation, just within 2 minutes. Track Your Spending with Ease All your wallet and e-money transactions are automatically recorded. Stay Secure with GoPay Aman PIN protection, biometrics, Face ID, and Touch ID help keep your GoPay wallet safe. Our Balance Back Guarantee provides a full refund if your funds are lost through no fault of your own. Your data stays protected, private, and within your control. And whenever you need help, our Customer Service team is available 24/7. An Easy Cash Loan for All Your Needs - Online cash loans with a limit of up to IDR 25 million - Loan term: shortest loan term 61 days, longest loan term 183 days - Minimum interest rate (APR) 17.6% to a maximum of 36% per annum (depending on loan term) - As an illustration, for a loan amount of IDR 1,000,000 with a 93-day term, the total interest is as follows: Total interest rate = 17.6% / 365 x 93 x IDR 1,000,000 = IDR 44,742 Total installment = IDR 1,000,000 + IDR 44,742 = IDR 1,044,742 Monthly installment: IDR 348,247 The Easiness of Shop Now, Pay Later - Easy registration using your e-KTP, with a limit of up to IDR 30 million* - Interest starts at 2%* per transaction, can be used on Gojek, GoPay, Tokopedia, and other merchants, and paid in installments - Transparent fees with no hidden fees. Licensed and supervised by the Financial Services Authority (OJK) Follow GoPay's official social media accounts below: Facebook & YouTube - GoPay Indonesia Instagram, X, TikTok - @gopayindonesia Do you have questions or complaints regarding GoPay app service issues? Contact us: Email - customerservice@gopay.co.id Call Center - 1500729 PT Dompet Anak Bangsa Pasaraya Building, Blok M, Building B, 3rd Floor, Jalan Iskandarsyah II No. 2, Melawai, Kebayoran Baru, South Jakarta 12160 Website - gopay.co.id Phone - 021 213821938
Screenshots
Verdict
The clearest difference is rating: GoPay at 4.7 against BCA mobile's 2.6. GoPay also leads on review sentiment (56% 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
GoPay holds the better App Store score, 4.7 against 2.6. Both are backed by a comparable volume of ratings — 277 and 717 respectively. Written reviews point the same way: 14% of BCA mobile's written reviews are positive against 56% of GoPay's.
BCA mobile ships an update fortnightly, GoPay every 2 weeks. Both last shipped on September 22, 2026.
| Parameter | BCA mobile | GoPay |
|---|---|---|
| Price | Free | Free |
| Rating | 2.6 (277 ratings) | 4.7 (717 ratings) — better |
| Positive reviews | 13.9% of reviews | 55.9% of reviews — better |
| Number of ratings | 277 | 717 — better |
| Update frequency | Fortnightly | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 | 15.0 |
| Further details — not scored | ||
| Size | 206 MB | 110 MB |
| Age rating | 4+ | 4+ |
| Developer | PT. Bank Central Asia Tbk | PT. GOTO GOJEK TOKOPEDIA TBK |
Customer experience
BCA mobile
GoPay
User reviews
BCA mobile
From 277 App Store ratingsWhat 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
GoPay
From 717 App Store ratingsWhat we love
- 👍 Easy to use and intuitive interface
- 🚀 Fast and convenient payment processing
- 💳 Versatile payment options (QRIS, bills, pulses, etc.)
- 💰 Useful rewards and cashback system
- 🌍 Convenient for frequent travelers to Indonesia
Room to improve
- 🐛 Top-up frequently fails without clear reasons
- 🐛 Transfer and payment transactions often fail
- ❌ Poor customer support (mostly automated responses)
- 🔒 Inconsistent identity verification requirements
- 😞 Difficult account closure process
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
GoPay
Reported bugs
9 issues- Top-up fails intermittently (1 in 10 success rate reported)
- Visa/credit card linking fails
- Face recognition login feature is poor quality
- Passport scanning setup is difficult and unclear
- Transaction confirmation shows failed despite successful payment
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- UI elements unresponsive (verify button not working)
- App lags and slow performance
- Animations need tuning on certain devices
- Account recovery system broken for users with changed phone numbers
Requested features
8 requests- Annual expense report (in addition to weekly/monthly)
- Transaction history export feature
- Email-based OTP recovery option
- Manual passport photo submission option
- Subscription payment summary and visibility
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- Simplified account recovery process
- Consolidation with Gojek app to reduce redundancy
- Easier GoPay Plus upgrade process
In-app purchases
BCA mobile
No in-app purchases
GoPay
No in-app purchases






