# BNI SMS Banking vs BIONS

The clearest difference is rating: BIONS at 3.8 against BNI SMS Banking's 3.4. BIONS also leads on update cadence (monthly vs every 3 months). BNI SMS Banking's advantage is review sentiment (27% vs 0%). On price, ratings volume, 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.

BIONS holds the better App Store score, 3.8 against 3.4. Both are backed by a comparable volume of ratings — 7 and 11 respectively. Written reviews complicate that: 27% of BNI SMS Banking's written reviews are positive against 0% of BIONS's, so the app with the better star average is not the one people write more warmly about.

BNI SMS Banking ships an update every 3 months, BIONS monthly. The most recent releases landed on October 23, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | BNI SMS Banking | BIONS |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.4 (7 ratings)](https://appshunter.io/ios/app/bni-sms-banking/id623228784/reviews) | **[3.8 (11 ratings)](https://appshunter.io/ios/app/bions/id6736508566/reviews)** |
| Number of ratings | 7 | **11** |
| Positive reviews | **27.0% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Monthly** |
| Monetization | Free | Free |
| Size | 133 MB | 147 MB |
| Requires iOS | **14.0** | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [PT. BANK NEGARA INDONESIA (PERSERO) TBK.](https://appshunter.io/developer/623228787) | [PT BNI Sekuritas](https://appshunter.io/developer/585174090) |

## What reviewers say

### BNI SMS Banking

[App page](https://appshunter.io/ios/app/bni-sms-banking/id623228784)

Easily manage your bank accounts and perform various transactions directly from your smartphone via SMS. Offers both non-financial inquiries and financial transactions like transfers and bill payments for registered users.

**Highlights:** Balance inquiry, Transaction history, Bill payments, Fund transfers, Mobile reloads, PIN management

**In-app purchases:** none


### BIONS

[App page](https://appshunter.io/ios/app/bions/id6736508566)

Manage diverse investment instruments like stocks, mutual funds, and bonds in one place. This app offers a modern interface with innovative features to support your investment journey, including research insights and educational resources.

**Highlights:** Manage stocks, mutual funds, and bonds, Trading ideas and research recommendations, Mark and monitor favorite stocks, Investment education and literacy resources, Downloadable tax reports

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers complain about**

- ⏱️ Slow loading times
- 🐛 Frequent crashes and bugs
- 🔍 Unreliable login and account access
- 💤 Laggy and unresponsive performance
- 🤔 Confusing and unintuitive UI

**Reported bugs**

- Inability to complete transactions due to rejected orders
- Incorrect or missing portfolio and asset information
- Persistent login issues and account access problems
- Outdated product listings and unavailable investment options

**Requested features**

- Improve overall app stability and reliability
- Enhance login and account management experience
- Optimize performance for faster loading and smoother operation
- Redesign UI for better usability and intuitiveness


## Frequently asked questions

### Is BNI SMS Banking free?

BNI SMS Banking is free to download, with no in-app purchases.

### Is BIONS free?

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

### Which has better reviews, BNI SMS Banking or BIONS?

BIONS is rated higher. BNI SMS Banking averages 3.4 out of 5 from 7 ratings, while BIONS averages 3.8 from 11 ratings.

### Do BNI SMS Banking or BIONS have ads?

Neither BNI SMS Banking nor BIONS shows ads.

### Which is updated more often, BNI SMS Banking or BIONS?

BNI SMS Banking ships an update every 3 months, and BIONS monthly. Most recently, BNI SMS Banking was updated on October 23, 2026 and BIONS on October 25, 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.*