# Co vs BiMPay Because Instant Matters

The clearest difference is review sentiment: Co at 57% against BiMPay Because Instant Matters's 0%. Co also leads on rating (4.6 vs 2.2) and ratings volume (1.9K vs 15). BiMPay Because Instant Matters's advantage is update cadence (every 2 weeks vs every 4 months). On price, ads, in-app purchases and monetization model there is nothing between them.

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

Co holds the better App Store score, 4.6 against 2.2. That said, the two scores are not equally well evidenced: Co has 1.9K ratings behind it against 15, so its average is the more settled of the two. Written reviews point the same way: 57% of Co's written reviews are positive against 0% of BiMPay Because Instant Matters's.

Co ships an update every 4 months, BiMPay Because Instant Matters every 2 weeks. The most recent releases landed on November 6, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | Co | BiMPay Because Instant Matters |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (1.9K ratings)](https://appshunter.io/ios/app/co-optima-mobile/id908778730/reviews)** | [2.2 (15 ratings)](https://appshunter.io/ios/app/bimpay-because-instant-matters/id6759781260/reviews) |
| Number of ratings | **1.9K** | 15 |
| Positive reviews | **57.1% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 27 MB | 23 MB |
| Requires iOS | **16** | 16.6 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 17+ |
| Developer | [Barbados Public Workers' Co-operative Credit Union Limited](https://appshunter.io/developer/908778733) | [Central Bank of Barbados](https://appshunter.io/developer/1265138411) |

## What reviewers say

### Co

[App page](https://appshunter.io/ios/app/co-optima-mobile/id908778730)

Manage your finances with a sleek, secure digital banking app. Control your cards, set travel alerts, and receive real-time notifications for all account activity. Enjoy fast transfers, bill payments, and 24/7 access with enhanced security features.

**Highlights:** Card Controls (lock/unlock), Travel Notifications, Real-Time Account Alerts, Fast Transfers & Bill Payments, Biometric & Two-Factor Authentication, 24/7 Account Access

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly app
- 🚀 Convenient to use
- 🔒 Added security features

**What reviewers complain about**

- 🐛 Bugs and glitches after updates
- ⚠️ Frequent password changes required
- 🔒 Inconsistent Face ID
- 🤔 Confusing navigation

**Reported bugs**

- Randomly prompts to enroll as new user
- Unable to make RTP transfers
- Unable to access account after update

**Requested features**

- View account number in app
- Add payees for frequent transfers
- Transfer money with email or phone number


### BiMPay Because Instant Matters

[App page](https://appshunter.io/ios/app/bimpay-because-instant-matters/id6759781260)

This mobile financial app facilitates instant payments and receipts within the Barbados financial system. It supports transactions in Barbados dollars for individuals, businesses, and government agencies.

**Highlights:** Instant payments, Receive payments, Barbados dollar transactions, Supports individuals, businesses, and government, Integrated into Barbados financial system

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

**In-app purchases:** none


## Frequently asked questions

### Is Co free?

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

### Is BiMPay Because Instant Matters free?

BiMPay Because Instant Matters is free to download, with no in-app purchases.

### Which has better reviews, Co or BiMPay Because Instant Matters?

Co is rated higher. Co averages 4.6 out of 5 from 1.9K ratings, while BiMPay Because Instant Matters averages 2.2 from 15 ratings.

### Do Co or BiMPay Because Instant Matters have ads?

Neither Co nor BiMPay Because Instant Matters shows ads.

### Which is updated more often, Co or BiMPay Because Instant Matters?

Co ships an update every 4 months, and BiMPay Because Instant Matters every 2 weeks. Most recently, Co was updated on November 6, 2026 and BiMPay Because Instant Matters on November 5, 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.*