# BCA mobile vs BNI Experience

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.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

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

## The numbers

| Metric | BCA mobile | BNI Experience |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.6 (277 ratings)](https://appshunter.io/ios/app/bca-mobile/id551587254/reviews)** | — |
| Number of ratings | **277** | — |
| Positive reviews | 13.9% of reviews | **30.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Fortnightly | Fortnightly |
| Monetization | Free | Free |
| Size | 206 MB | 20 MB |
| Requires iOS | 15.0 | **12.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [PT. Bank Central Asia Tbk](https://appshunter.io/developer/551587257) | [PT. BANK NEGARA INDONESIA (PERSERO) TBK.](https://appshunter.io/developer/623228787) |

## What reviewers say

### BCA mobile

[App page](https://appshunter.io/ios/app/bca-mobile/id551587254)

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

**In-app purchases:** none

**What reviewers like**

- 🚀 Simple, easy and user friendly
- 🔒 Secure transactions
- 👍 Useful features like QR code payments

**What reviewers complain about**

- 🐛 Frequent crashes and bugs
- 🔍 Outdated and clunky UI
- ⚠️ Compatibility issues with older devices
- 🔑 Complicated login and verification process
- 🔌 Connectivity issues and unreliable service

**Reported bugs**

- 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**

- 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

[App page](https://appshunter.io/ios/app/bni-experience/id964706797)

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

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*