# OFG Digital vs Universicoop

The clearest difference is update cadence: Universicoop at daily against OFG Digital's every 7 months. On price, ads, in-app purchases and device support there is nothing between them.

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

OFG Digital ships an update every 7 months, Universicoop daily. The most recent releases landed on November 1, 2026 and September 12, 2026 respectively.

## The numbers

| Metric | OFG Digital | Universicoop |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.6 (315 ratings)](https://appshunter.io/ios/app/ofg-digital/id688388395/reviews)** | — |
| Number of ratings | **315** | — |
| Positive reviews | 17.3% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 7 months | **Daily** |
| Monetization | Free | — |
| Size | 109 MB | 7 MB |
| Requires iOS | **11.0** | 12.3 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [OFG Bancorp](https://appshunter.io/developer/688388398) | [Cooperativa De Ahorro Y Credito De La Universidad De Puerto Rico (universicoop)](https://appshunter.io/developer/1647254588) |

## 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- 🎨 Outdated and poor UI/UX design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


### Universicoop

[App page](https://appshunter.io/ios/app/universicoop/id6443570840)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is OFG Digital free?

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

### Is Universicoop free?

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

### Do OFG Digital or Universicoop have ads?

Neither OFG Digital nor Universicoop shows ads.

### Which is updated more often, OFG Digital or Universicoop?

OFG Digital ships an update every 7 months, and Universicoop daily. Most recently, OFG Digital was updated on November 1, 2026 and Universicoop on September 12, 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.*