# Universal vs Banreservas

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.

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.

## The numbers

| Metric | Universal | Banreservas |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (1.1K ratings)](https://appshunter.io/ios/app/universal/id553220289/reviews)** | [4.6 (4K ratings)](https://appshunter.io/ios/app/banreservas/id1170610154/reviews) |
| Number of ratings | 1.1K | **4K** |
| Positive reviews | **60.0% of reviews** | 46.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 weeks | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 179 MB | 189 MB |
| Requires iOS | **15.0** | 15.6 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Grupo Universal](https://appshunter.io/developer/909013508) | [BanReservas](https://appshunter.io/developer/1170610153) |

## What reviewers say

### Universal

[App page](https://appshunter.io/ios/app/universal/id553220289)

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.

**Highlights:** 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

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Efficient notifications
- 👍 Easy to use
- 👍 Helpful for managing insurance
- 🚀 Immediate notifications

**What reviewers complain about**

- 🐛 Crashes when accessing notifications
- 🐛 Incorrect plan information displayed
- 🐛 Unable to register with passport number
- 🐛 Unable to view caenets

**Reported bugs**

- Crashes when accessing notifications
- Incorrect plan information displayed
- Unable to register with passport number
- Unable to view caenets

**Requested features**

- 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

[App page](https://appshunter.io/ios/app/banreservas/id1170610154)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Fast and efficient
- 💳 Convenient banking features

**What reviewers complain about**

- 🐛 Frequent crashes and bugs
- 🔍 Difficult to navigate
- 🕰️ Slow performance
- 🔒 Security issues with token activation

**Reported bugs**

- App freezes when trying to access account information
- Token activation process is unreliable
- Compatibility issues with newer iOS versions

**Requested features**

- Integrate with mobile wallets (Apple Pay, Google Pay)
- Provide more detailed transaction history
- Allow remote token activation


## Frequently asked questions

### Is Universal free?

Universal is free to download, with no in-app purchases.

### Is Banreservas free?

Banreservas is free to download, with no in-app purchases.

### Which has better reviews, Universal or Banreservas?

Universal is rated higher. Universal averages 4.7 out of 5 from 1.1K ratings, while Banreservas averages 4.6 from 4K ratings.

### Do Universal or Banreservas have ads?

Neither Universal nor Banreservas shows ads.

### Which is updated more often, Universal or Banreservas?

Universal ships an update every 4 weeks, and Banreservas every 3 weeks. Most recently, Universal was updated on November 1, 2026 and Banreservas on November 2, 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.*