BCIpay vs Kalbe
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
BCIpay
Manage your finances with ease, offering cash withdrawals and deposits, merchant payments, bill settlements, and mobile credit top-ups. This all-in-one platform provides convenience and security for your daily financial needs.
- Cash withdrawals and deposits
- Merchant payments
- Bill payments
- Mobile credit top-ups
- Secure transactions
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bciPay offre une expérience financière complète à portée de main. Effectuez des retraits et dépôts d'espèces en toute facilité, et effectuez des paiements chez les commerçants avec une simplicité sans égale. Simplifiez la gestion de vos finances en réglant vos factures directement depuis l'application. De plus, rechargez rapidement le crédit de votre téléphone en quelques clics. Une plateforme tout-en-un pour répondre à vos besoins financiers quotidiens, offrant praticité et sécurité à chaque transaction.
Kalbe
Manage your international payments with a virtual card. Easily top up using local currency and spend globally in USD for online purchases, subscriptions, and advertising. Enjoy a secure and flexible alternative to traditional bank cards.
- Virtual card for international payments
- Local currency top-ups (MRU)
- Spend in US dollars globally
- Secure financial management
- Alternative to traditional bank cards
- Online purchase and subscription payments
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Kalbe offers you a virtual card that simplifies your international payments! Easily top up with local currency (MRU) and spend anywhere in the world. Whether you're making online purchases, paying subscriptions, or advertising on social media, Kalbe helps you manage your finances simply and securely. With a local top-up process, you can load your card using traditional payment methods and then make transactions in US dollars without worry. Enjoy a flexible and transparent solution for your global payments, free from the limitations of traditional bank cards.
Screenshots
Verdict
The clearest difference is review sentiment: Kalbe at 100% against BCIpay's 0%. Kalbe also leads on rating (4.5 vs 3.9) and update cadence (every 2 weeks vs every 6 weeks). BCIpay's advantage is iOS requirement (12.0 vs 15.1). On price, ratings volume, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Kalbe holds the better App Store score, 4.5 against 3.9. Both are backed by a comparable volume of ratings — 17 and 42 respectively. Written reviews point the same way: 0% of BCIpay's written reviews are positive against 100% of Kalbe's.
BCIpay ships an update every 6 weeks, Kalbe every 2 weeks. Both last shipped on September 9, 2026.
| Parameter | BCIpay | Kalbe |
|---|---|---|
| Price | Free | Free |
| Rating | 3.9 (17 ratings) | 4.5 (42 ratings) — better |
| Positive reviews | 0.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 17 | 42 — better |
| Update frequency | Every 6 weeks | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 12.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 49 MB | 49 MB |
| Age rating | 4+ | 17+ |
| Developer | BCI (Banque pour le Commerce et l'Industrie - Mali - BCI-Group) | NEOTIC S.A.R.L |
Customer experience
BCIpay
Kalbe
In-app purchases
BCIpay
No in-app purchases
Kalbe
No in-app purchases
