Comparison

BCA mobile vs BNI Mobile Banking

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 Mobile Banking

This app provides secure and convenient mobile banking services, allowing users to manage accounts, transfer funds, and make various payments directly from their smartphone. It offers features like balance inquiries, bill payments, and even opening new accounts.

Highlights
  • Account information and balance inquiry
  • Fund transfers (own account, BNI, interbank)
  • Bill and credit card payments
  • Mobile top-ups
  • New account opening (Taplus, Deposito)
  • International transactions
Features
Read full description

Tuntutan akan kecepatan dan kemudahan membuat perbankan terus berinovasi, telah hadir BNI Mobile Banking yang lebih fresh, user friendly dan memiliki banyak fitur baru. BNI Mobile Banking adalah fasilitas layanan perbankan yang memudahkan Anda untuk bertransaksi langsung melalui smartphone Anda, secara aman, mudah, dan cepat. BNI Mobile Banking memberikan layanan transaksi informasi saldo, transfer, pembayaran tagihan telepon, pembayaran kartu kredit, pembayaran tiket pesawat, pembelian pulsa, pembukaan rekening Taplus, pembukaan rekening Deposito, dll. BNI Mobile Banking juga dapat diaktivasikan dan digunakan untuk bertransaksi di luar negeri. Aplikasi terbaru BNI Mobile Banking bisa Anda dapatkan di App Store untuk iPhone OS (iOS) minimum versi 10. Bagi Nasabah BNI yang ingin menggunakan BNI Mobile Banking dapat mengunjungi Cabang terdekat untuk melakukan registrasi, untuk selanjutnya melakukan aktivasi di aplikasi BNI Mobile Banking dengan cara sebagai berikut : - Input User ID. - Input Nomor Kartu Debit. - Pilih Lokasi Negara. - Input Kode OTP. - Input MPIN. - Input Password Transaksi. Selain mengunjungi cabang terdekat, registrasi dan aktivasi BNI Mobile Banking dapat langsung dilakukan melalui smartphone Anda setelah mengunduh aplikasi BNI Mobile Banking. Dengan alur sebagai berikut : 1. Registrasi 2. Aktivasi 1. Registrasi Pilih “Registrasi” Jika setuju dengan syarat dan ketentuan, pilih “Ya, Saya Setuju” Data yang diinput Nasabah harus sama dengan data Nasabah yang terdaftar di sistem BNI. Selanjutnya, create User ID yang terdiri dari kombinasi huruf&angka (8-12 karakter) Masukkan Kode Registrasi (6 digit angka) yang dikirim ke email terdaftar Nasabah 2. Aktivasi Pilih “Masuk” Input User ID yang Anda telah buat saat Registrasi (terdiri dari kombinasi huruf dan angka), Masukkan No. Kartu Debit Anda, dan Pilih Lokasi Negara tempat tinggal, Masukkan Kode Aktivasi (6 digit angka) yang dikirim ke nomor handphone terdaftar Nasabah *pastikan pulsa Anda tersedia (Min. Rp 10.000,-) untuk pengiriman OTP melalui SMS Buat MPIN yang terdiri dari 6 digit angka, tidak diperbolehkan PIN default (angka urut dan kembar) dan tanggal lahir. Selanjutnya, Buat Password Transaksi yang terdiri dari kombinasi huruf dan angka (8-12 karakter), tidak diperbolehkan mengandung unsur Nama Nasabah dan sama dengan User BNI Mobile Banking Anda langsung dapat melakukan transaksi Pastikan saat Anda mengisi data pada alur registrasi dan aktivasi, isi sesuai dengan data yang terdaftar di sistem BNI dan terhubung dengan Jaringan yang stabil. Fitur-fitur BNI Mobile Banking 1. Rekeningku - Tabungan dan Giro. - Deposito dan Tapenas. - Pinjaman. - DPLK. - Investasi. - Pembukaan Rekening. 2. Transfer - Rekening Sendiri - BNI - Antarbank - Kliring - Dana Pensiun/BNI Simponi - Rekening Sendiri - Virtual Account Billing - International Remittance 3. Pembayaran - Kartu Kredit BNI. - Kartu Kredit Bank Lain. - Pasca Bayar Telp. - Listrik. - MPN G2. - Multifinance. - TV Berlangganan. - ZIS Dan Qurban. - Pembayaran PDAM. - Asuransi. - Tiket Kereta Api. - Tiket Penerbangan. - Internet. - Pinjaman Personal. - Pegadaian. - Biaya Pendidikan. - Pajak. - PGN. - TKI. - Samsat. - BPJS Kesehatan dan Ketenagakerjaan 4. Pembelian - Top Up LinkAja - Voucher Prabayar Telepon. - Token Listrik. - Top Up Agen Penerbangan. - Top Up Go-Pay. - Paket Data - Top Up TapCash. - Voucher TV Berlangganan. 5. Investasi - SBN Ritel. - Reksadana 6. Produk dan Jasa Lainnya - BNI Debit Online (VCN). - Aktivasi Transaksi Kartu di Luar Negeri. - Pertamina LPG 3Kg. - Pencairan Deposito. - Bukti Transaksi. - Ubah PIN Kartu Debit. - Pelunasan Haji Reguler 7. Administrasi - Ubah MPIN. - Ubah Password. - Hapus Daftar Favorit. - Blokir Kartu Debit.

Screenshots

BCA mobile4 screens
BNI Mobile Banking4 screens

Verdict

The call

The clearest difference is rating: BNI Mobile Banking at 4.6 against BCA mobile's 2.6. BNI Mobile Banking also leads on ratings volume (845 vs 278). BCA mobile's advantage is update cadence (fortnightly vs every 2 months). On price, review sentiment, 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.

ReceptionRating · Positive reviews · Number of ratings

BNI Mobile Banking holds the better App Store score, 4.6 against 2.6. Both are backed by a comparable volume of ratings — 278 and 845 respectively. Written reviews point the same way: 14% of BCA mobile's written reviews are positive against 21% of BNI Mobile Banking's.

UpkeepUpdate frequency

BCA mobile ships an update fortnightly, BNI Mobile Banking every 2 months. The most recent releases landed on October 22, 2026 and October 21, 2026 respectively.

Scorecard3 real differences · 7 level
BCA mobile versus BNI Mobile Banking: the parameters behind the verdict, then further details
ParameterBCA mobileBNI Mobile Banking
PriceFreeFree
Rating2.6 (278 ratings)4.6 (845 ratings) — better
Positive reviews13.9% of reviews20.9% of reviews — better
Number of ratings278845 — better
Update frequencyFortnightly — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.015.0
Further details — not scored
Size207 MB172 MB
Age rating4+4+
DeveloperPT. Bank Central Asia TbkPT. BANK NEGARA INDONESIA (PERSERO) TBK.

Customer experience

BCA mobile

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

BNI Mobile Banking

All ratings845 ratings
Positive90.1%
Neutral1.7%
Negative8.3%
Written reviews110 reviews
Positive20.9%
Neutral6.4%
Negative72.7%

User reviews

BCA mobile

From 278 App Store ratings

What 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

BNI Mobile Banking

From 845 App Store ratings

What we love

  • 🚀 Fast and simple
  • 💡 Useful features
  • 👍 User-friendly

Room to improve

  • 🐛 Bugs and crashes
  • 🔒 Security and account issues
  • 🤖 Compatibility problems
  • 📱 Unresponsive UI

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 Mobile Banking

Reported bugs

4 issues
  • Login and activation issues
  • Transfer and payment failures
  • Notification and menu display problems
  • Incompatibility with iOS 16.4

Requested features

4 requests
  • Add English language option
  • Improve transaction history and reporting
  • Fix issues with point redemption and promotions
  • Enhance compatibility with newer devices

In-app purchases

None

BCA mobile

No in-app purchases

None

BNI Mobile Banking

No in-app purchases

Questions

Is BCA mobile free?
BCA mobile is free to download, with no in-app purchases.
Is BNI Mobile Banking free?
BNI Mobile Banking is free to download, with no in-app purchases.
Which has better reviews, BCA mobile or BNI Mobile Banking?
BNI Mobile Banking is rated higher. BCA mobile averages 2.6 out of 5 from 278 ratings, while BNI Mobile Banking averages 4.6 from 845 ratings.
Do BCA mobile or BNI Mobile Banking have ads?
Neither BCA mobile nor BNI Mobile Banking shows ads.
Which is updated more often, BCA mobile or BNI Mobile Banking?
BCA mobile ships an update fortnightly, and BNI Mobile Banking every 2 months. Most recently, BCA mobile was updated on October 22, 2026 and BNI Mobile Banking on October 21, 2026.

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