Comparison

BCA mobile vs BNI Experience

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

BNI Experience

This app helps you manage your finances by locating nearby ATMs and branches. Discover exclusive promotions, discounts, and surprise gifts from partner merchants. Enjoy convenient banking services anytime, anywhere.

Highlights
  • Find nearest ATMs and branches
  • Discover BNI merchant promotions and discounts
  • Access surprise gifts via Coupon feature
  • Experience anytime, anywhere banking
  • BNI Internet Banking integration
Read full description

BNI Experience is your everyday life companion that makes your life easier! It allows you to find nearest ATM and Branch for fulfilling your financial service needs. You won't missed any benefit as BNI customer because it also let you know many promotions and discount from BNI merchants. What's more? BNI will give you many surprise gifts from "Coupon" feature that enable you to get many benefits from various merchants. You can also experiencing "anytime, anywhere banking" through BNI Internet Banking feature. Enjoy your life experience with BNI experience!

Screenshots

BCA mobile4 screens
BNI Experience3 screens

Verdict

The call

The clearest difference is review sentiment: BNI Experience at 30% against BCA mobile's 14%. BNI Experience also leads on iOS requirement (12.0 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.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly fortnightly. The most recent releases landed on September 22, 2026 and June 9, 2026 respectively.

Scorecard2 real differences · 8 level
BCA mobile versus BNI Experience: the parameters behind the verdict, then further details
ParameterBCA mobileBNI Experience
PriceFreeFree
Rating2.6 (277 ratings) — better—
Positive reviews13.9% of reviews30.0% of reviews — better
Number of ratings277 — better—
Update frequencyFortnightlyFortnightly
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.012.0 — better
Further details — not scored
Size206 MB20 MB
Age rating4+4+
DeveloperPT. Bank Central Asia TbkPT. BANK NEGARA INDONESIA (PERSERO) TBK.

Customer experience

BCA mobile

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

BNI Experience

Written reviews40 reviews
Positive30.0%
Neutral10.0%
Negative60.0%

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

BNI Experience

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

BCA mobile

No in-app purchases

None

BNI Experience

No in-app purchases

Questions

Is BCA mobile free?
BCA mobile is free to download, with no in-app purchases.
Is BNI Experience free?
BNI Experience is free to download, with no in-app purchases.
Do BCA mobile or BNI Experience have ads?
Neither BCA mobile nor BNI Experience shows ads.
Which is updated more often, BCA mobile or BNI Experience?
BCA mobile ships an update fortnightly, and BNI Experience fortnightly. Most recently, BCA mobile was updated on September 22, 2026 and BNI Experience on June 9, 2026.

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