Comparison

ESRIC vs BMD

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

ESRIC

Features
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The ESRIC app, is designed specifically for Eswatini Royal Insurance Corporation customers. It offers a comprehensive suite of features that enable it customers to efficiently manage their insurance policies and interact with ESRIC. Whether you're a guest exploring the app's functionalities or a registered user, ESRIC provides a seamless experience for all. Key Features: User Registration: As a guest, you can easily register on the ESRIC Insurance App to create your account. The registration process is simple and requires basic information to get started. Claims Management: With ESRIC, you can conveniently initiate and manage insurance claims through the app. Simply provide the necessary details, attach relevant documents, and track the progress of your claims, ensuring a smooth and hassle-free experience. View Claims: Stay updated on the status of your insurance claims by accessing the "View Claims" section. This feature allows you to track the progress of each claim, view any updates or required actions, and receive notifications regarding the status of your claims. Payments: ESRIC Insurance App provides a secure and user-friendly platform for making insurance premium payments. As a guest user, you can easily calculate premium estimates, review payment options, and make payments directly through the app. Rate ESRIC: Users have the ability to provide feedback and rate the services provided by ESRIC Insurance Company. This feature allows you to share your experience, helping ESRIC to continually improve its services. Additional Features for Registered Users: Policy Management: Once registered and logged in, users gain access to their policy information, including coverage details, policy documents, renewal dates, and more. This feature allows you to conveniently review and manage your insurance policies. Apply for Loans: ESRIC Insurance App offers the ability to apply for loans directly through the app. Users can submit loan applications, provide necessary documentation, and track the progress of their loan requests. Request Callbacks: If you require assistance or have specific inquiries, registered users can request callbacks from ESRIC's customer support team. This feature ensures personalized assistance and allows for direct communication with knowledgeable representatives. The ESRIC Insurance App prioritizes user convenience, security, and efficient management of insurance-related activities. With its user-friendly interface, comprehensive features, and seamless integration with ESRIC Insurance Company, users can confidently navigate their insurance needs while enjoying a streamlined digital experience.

About

BMD

Features
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Back Mes Do (BMD) simplifie l'argent partagé entre amis, famille et colocataires. Fini les comptes d'apothicaire et les tensions : chacun voit qui doit quoi, en toute transparence. Partage de dépenses : ajoutez une dépense, répartissez-la (parts égales, par article ou par pourcentage) et suivez le solde de chacun en temps réel. Scan de factures par IA : photographiez un reçu, BMD lit le montant et les articles pour vous — plus de saisie manuelle. Règlements simplifiés : BMD calcule automatiquement qui rembourse qui, avec le minimum de transactions. Reconnaissances de dette : formalisez un prêt entre proches (échéancier, témoins, garants) et suivez les remboursements. Caisses communes : cotisations, dépenses et validations, en toute clarté. Tontines (njangui, hui) : gérez tours, enchères et paiements avec un suivi limpide. Multi-devises et reçus : idéal pour les voyages, colocations et projets de groupe partout dans le monde. BMD, c'est l'argent partagé et les relations préservées — sans drama.

Screenshots

ESRIC4 screens
BMD4 screens

Verdict

The call

The clearest difference is device support: ESRIC at 3 against BMD's 1. ESRIC also leads on iOS requirement (13.0 vs 16.0). On price, update cadence, 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 10 days. The most recent releases landed on October 14, 2026 and October 9, 2026 respectively.

Scorecard2 real differences · 4 level
ESRIC versus BMD: the parameters behind the verdict, then further details
ParameterESRICBMD
PriceFreeFree
Update frequencyEvery 10 daysEvery 10 days
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS13.0 — better16.0
Further details — not scored
Size36 MB26 MB
Age rating4+4+
DeveloperEswatini Royal Insurance CorporationTPL MOBILITY

In-app purchases

None

ESRIC

No in-app purchases

None

BMD

No in-app purchases

Questions

Is ESRIC free?
ESRIC is free to download, with no in-app purchases.
Is BMD free?
BMD is free to download, with no in-app purchases.
Do ESRIC or BMD have ads?
Neither ESRIC nor BMD shows ads.
Which is updated more often, ESRIC or BMD?
ESRIC ships an update every 10 days, and BMD every 10 days. Most recently, ESRIC was updated on October 14, 2026 and BMD on October 9, 2026.

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