# BCIpay vs Kalbe

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.

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.

## The numbers

| Metric | BCIpay | Kalbe |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.9 (17 ratings)](https://appshunter.io/ios/app/bcipay/id6470744757/reviews) | **[4.5 (42 ratings)](https://appshunter.io/ios/app/kalbe/id6504161708/reviews)** |
| Number of ratings | 17 | **42** |
| Positive reviews | 0.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 49 MB | 49 MB |
| Requires iOS | **12.0** | 15.1 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [BCI (Banque pour le Commerce et l'Industrie - Mali - BCI-Group)](https://appshunter.io/developer/1639874534) | [NEOTIC S.A.R.L](https://appshunter.io/developer/1561571618) |

## What reviewers say

### BCIpay

[App page](https://appshunter.io/ios/app/bcipay/id6470744757)

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.

**Highlights:** Cash withdrawals and deposits, Merchant payments, Bill payments, Mobile credit top-ups, Secure transactions

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

**In-app purchases:** none


### Kalbe

[App page](https://appshunter.io/ios/app/kalbe/id6504161708)

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.

**Highlights:** 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

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is BCIpay free?

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

### Is Kalbe free?

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

### Which has better reviews, BCIpay or Kalbe?

Kalbe is rated higher. BCIpay averages 3.9 out of 5 from 17 ratings, while Kalbe averages 4.5 from 42 ratings.

### Do BCIpay or Kalbe have ads?

Neither BCIpay nor Kalbe shows ads.

### Which is updated more often, BCIpay or Kalbe?

BCIpay ships an update every 6 weeks, and Kalbe every 2 weeks. Most recently, BCIpay was updated on September 9, 2026 and Kalbe on September 9, 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.*