# OFG Digital vs ATH Business

The clearest difference is rating: ATH Business at 3.0 against OFG Digital's 2.6. ATH Business also leads on update cadence (every 2 months vs every 7 months). OFG Digital's advantage is monetization model (free vs ad-supported) and iOS requirement (11.0 vs 15.0). On price, review sentiment, ratings volume 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.

ATH Business holds the better App Store score, 3.0 against 2.6. Both are backed by a comparable volume of ratings — 315 and 132 respectively. Written reviews complicate that: 17% of OFG Digital's written reviews are positive against 12% of ATH Business's, so the app with the better star average is not the one people write more warmly about.

OFG Digital ships an update every 7 months, ATH Business every 2 months. The most recent releases landed on November 1, 2026 and November 6, 2026 respectively.

## The numbers

| Metric | OFG Digital | ATH Business |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.6 (315 ratings)](https://appshunter.io/ios/app/ofg-digital/id688388395/reviews) | **[3.0 (132 ratings)](https://appshunter.io/ios/app/ath-business/id1189153513/reviews)** |
| Number of ratings | **315** | 132 |
| Positive reviews | **17.3% of reviews** | 11.6% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 7 months | **Every 2 months** |
| Monetization | **Free** | Ad-supported |
| Size | 109 MB | 61 MB |
| Requires iOS | **11.0** | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 12+ |
| Developer | [OFG Bancorp](https://appshunter.io/developer/688388398) | [EVERTEC](https://appshunter.io/developer/658539300) |

## What reviewers say

### OFG Digital

[App page](https://appshunter.io/ios/app/ofg-digital/id688388395)

Manage your bank accounts on the go. Check balances, pay bills, transfer funds, and deposit checks securely. Locate branches and ATMs easily.

**Highlights:** Check account balances, Pay bills, Transfer funds, PeoplePay, Deposit checks, Find branches and ATMs

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use interface
- 💳 Check deposit feature convenient
- 🔒 Fingerprint/Touch ID authentication available
- ⚡ Fast performance when working
- 🏦 Integration with ATH Móvil

**What reviewers complain about**

- 🐛 Frequent login failures and credential issues
- 🐛 App crashes and freezes regularly
- ❌ Limited functionality compared to competitors
- 🎨 Outdated and poor UI/UX design
- 🔐 Excessive authentication requirements

**Reported bugs**

- Error 0014 preventing app access
- Login credentials not recognized despite correct password
- Face ID and passcode authentication not working
- App stuck on loading screen
- Device ID not found error

**Requested features**

- Apple Pay integration
- Dark mode option
- Direct credit card payment within app
- Push notifications for transactions
- ACH transfers to other financial institutions


### ATH Business

[App page](https://appshunter.io/ios/app/ath-business/id1189153513)

Process real-time, secure payments and send refunds directly to your business's unique identifier. Generate detailed payment and refund reports, and receive weekly and monthly summaries. Requires an affiliated bank or cooperative and a debit card.

**Highlights:** Receive real-time secure payments, Use custom business identifier for payments, Send refunds, Generate payment and refund reports, Receive weekly and monthly payment summaries

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

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to pay businesses and individuals
- 👍 Convenient for on-the-go transactions
- 👍 Useful for business owners
- 👍 Can pay with barcode or phone number

**What reviewers complain about**

- 🐛 App crashes frequently
- 🐛 App does not open
- 🐛 Login issues (invalid email, unrecognized phone number)
- 🐛 Update issues (redirects to iTunes)
- 🐛 Transaction fees for businesses

**Reported bugs**

- App not supported on jailbroken devices
- App crashes when trying to update
- App crashes when trying to export transactions
- App crashes when Touch ID or Face ID is activated
- App crashes upon opening

**Requested features**

- Allow business-to-business transfers without personal ATH Movil
- Allow sending money without using regular ATH Movil
- Increase text size
- Allow refunds to return fees
- Temporary accounts for employees


## Frequently asked questions

### Is OFG Digital free?

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

### Is ATH Business free?

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

### Which has better reviews, OFG Digital or ATH Business?

ATH Business is rated higher. OFG Digital averages 2.6 out of 5 from 315 ratings, while ATH Business averages 3.0 from 132 ratings.

### Do OFG Digital or ATH Business have ads?

Neither OFG Digital nor ATH Business shows ads.

### Which is updated more often, OFG Digital or ATH Business?

OFG Digital ships an update every 7 months, and ATH Business every 2 months. Most recently, OFG Digital was updated on November 1, 2026 and ATH Business on November 6, 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.*