Universal vs Banreservas
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Universal
Access your insurance products, coverage, and services. Manage health benefits, make payments, view your network, and access digital insurance cards. Also, handle auto insurance claims and roadside assistance, plus manage investment funds.
- View insurance products and coverage
- Manage health benefits and pharmacy coverage
- Make online payments
- Access digital insurance cards
- Submit and track claims
- Request roadside assistance
- Manage investment funds
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Si eres asegurado principal en la App Universal obtienes información de tus productos, coberturas y servicios. Asegúrate de tener activo tu usuario de Universal en Línea para que puedas utilizar todas las funciones y ahorres tiempo. Soluciones seguros de salud: Cobertura de Medicamentos: Consulta de cobertura, monto disponible y precio estimado en farmacia. Pagos: Realiza pagos en línea de tus productos en pesos con tus tarjetas Visa, Mastercard y American Express. Solicita tus recibos y estados de cuenta. Mi red de salud: Consulta la red de salud de tu plan. Mis carnets: Ten disponible tu carnet y el de tus dependientes de manera digital en cualquiera de tus productos de Universal. Mi reembolso: Ahorra tiempo solicitando y revisando el estatus de tu reembolso. Salud Universal: Consejos de salud y nutrición Combo Seguro (auto) Reclamaciones: Ahorra tiempo solicitando y revisando el estatus de tu reclamación. Asistencia: Solicita servicio de grúa, cambio de gomas, carga de baterías, entre otros más. Combo AFI Fondos de Inversión: Gestiona tus fondos, realiza aportes, solicita rescates y consulta tu estado de cuentas cuando quieras.
Banreservas
Manage your Banreservas products and services securely and efficiently from your mobile device. Perform consultations, transfers, and payments, manage your cards, and withdraw cash without a physical card. The app offers digital product applications, transaction authorization, and virtual assistance.
- Account consultations and transfers
- Card management and Apple Wallet integration
- Cardless ATM cash withdrawals
- Digital product applications
- Digital token for transaction authorization
- Virtual assistant for support
- Proximity transfers and bill splitting
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Gestiona tus productos y servicios Banreservas desde tu iPhone o iPad, de forma ágil y segura. ¿Qué puedes hacer con la App Banreservas? • Realizar consultas, transferencias y pagos. • Manejar tus tarjetas con la Billetera Banreservas y agregarlas a Apple Wallet. • Retirar efectivo en Cajeros Automáticos Banreservas sin tarjeta usando TuEfectivo. • Solicitar y cancelar productos de manera 100% digital. • Autorizar tus transacciones con el Token Digital. • Obtener asistencia en cualquier momento con Alma, nuestra asistente virtual. • Utilizar la funcionalidad Encuéntrame para enviar o recibir transferencias por proximidad sin necesidad de compartir datos personales. Además, participar en Serruchos, una herramienta que facilita dividir las cuentas por pagar de manera sencilla. • Acceder a la App utilizando Face ID.
Screenshots
Verdict
Universal and Banreservas both sit at 4.7 stars, but that hides the real split: 60% of Universal's written reviews are positive against 46% of Banreservas's. Banreservas's advantage is ratings volume (4K vs 1.1K). On price, rating, 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.
Universal holds the better App Store score, 4.7 against 4.6. Both are backed by a comparable volume of ratings — 1.1K and 4K respectively. Written reviews point the same way: 60% of Universal's written reviews are positive against 46% of Banreservas's.
Universal ships an update every 4 weeks, Banreservas every 3 weeks. The most recent releases landed on November 1, 2026 and November 2, 2026 respectively.
| Parameter | Universal | Banreservas |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (1.1K ratings) — better | 4.6 (4K ratings) |
| Positive reviews | 60.0% of reviews — better | 46.3% of reviews |
| Number of ratings | 1.1K | 4K — better |
| Update frequency | Every 4 weeks | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 — better | 15.6 |
| Further details — not scored | ||
| Size | 179 MB | 189 MB |
| Age rating | 4+ | 4+ |
| Developer | Grupo Universal | BanReservas |
Customer experience
Universal
Banreservas
User reviews
Universal
From 1.1K App Store ratingsWhat we love
- 👍 Efficient notifications
- 👍 Easy to use
- 👍 Helpful for managing insurance
- 🚀 Immediate notifications
Room to improve
- 🐛 Crashes when accessing notifications
- 🐛 Incorrect plan information displayed
- 🐛 Unable to register with passport number
- 🐛 Unable to view caenets
Banreservas
From 4K App Store ratingsWhat we love
- 👍 Easy to use
- 🚀 Fast and efficient
- 💳 Convenient banking features
Room to improve
- 🐛 Frequent crashes and bugs
- 🔍 Difficult to navigate
- 🕰️ Slow performance
- 🔒 Security issues with token activation
Bugs and requests
Universal
Reported bugs
4 issues- Crashes when accessing notifications
- Incorrect plan information displayed
- Unable to register with passport number
- Unable to view caenets
Requested features
4 requests- Add email to report errors
- Improve provider selection when names are long
- Add ability to record personal medical information
- Integrate provider coverage and plan details
Banreservas
Reported bugs
3 issues- App freezes when trying to access account information
- Token activation process is unreliable
- Compatibility issues with newer iOS versions
Requested features
3 requests- Integrate with mobile wallets (Apple Pay, Google Pay)
- Provide more detailed transaction history
- Allow remote token activation
In-app purchases
Universal
No in-app purchases
Banreservas
No in-app purchases
Questions
Is Universal free?
Is Banreservas free?
Which has better reviews, Universal or Banreservas?
Do Universal or Banreservas have ads?
Which is updated more often, Universal or Banreservas?
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