# BNI Experience vs OVO

The clearest difference is monetization model: BNI Experience at free against OVO's free with in-app purchases. BNI Experience also leads on iOS requirement (12.0 vs 15.0). On price, review sentiment, update cadence 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.

Both ship on a similar rhythm, roughly fortnightly. The most recent releases landed on November 1, 2026 and October 22, 2026 respectively.

## The numbers

| Metric | BNI Experience | OVO |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[3.9 (329 ratings)](https://appshunter.io/ios/app/ovo/id1142114207/reviews)** |
| Number of ratings | — | **329** |
| Positive reviews | 30.0% of reviews | **31.3% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Fortnightly | Fortnightly |
| Monetization | **Free** | Free with in-app purchases |
| Size | 20 MB | 101 MB |
| Requires iOS | **12.0** | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [PT. BANK NEGARA INDONESIA (PERSERO) TBK.](https://appshunter.io/developer/623228787) | [Visionet Internasional, Pt](https://appshunter.io/developer/1128647342) |

## What reviewers say

### BNI Experience

[App page](https://appshunter.io/ios/app/bni-experience/id964706797)

This app helps you manage your finances by locating nearby ATMs and branches. Discover exclusive promotions, discounts, and surprise gifts from partner merchants. Enjoy convenient banking services anytime, anywhere.

**Highlights:** Find nearest ATMs and branches, Discover BNI merchant promotions and discounts, Access surprise gifts via Coupon feature, Experience anytime, anywhere banking, BNI Internet Banking integration

**In-app purchases:** none


### OVO

[App page](https://appshunter.io/ios/app/ovo/id1142114207)

This all-in-one app simplifies payments and savings for everyday needs and online shopping. Enjoy secure, fast transactions with numerous rewards, including cashback and discounts. Upgrade to access exclusive deals and bonus points.

**Highlights:** Secure and fast mobile payments, Cashback on transactions, Exclusive discounts and deals, Bill payment options, Savings account features, Welcome treats for new users

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy and convenient
- 💡 Useful features
- 👍 Good payment app
- 🚀 Quick transactions

**What reviewers complain about**

- 🐛 Frequent app crashes
- 🔒 Security and privacy concerns
- 👎 Difficult to close account
- 🔒 Requires excessive personal data
- 👎 Unreliable service

**Reported bugs**

- Inability to change language to English
- Stuck transactions not resolved
- Inconsistent app behavior
- Delayed or missing top-up credits

**Requested features**

- Add English language option
- Improve account closure process
- Enhance security and privacy measures
- Streamline transaction processing


## Frequently asked questions

### Is BNI Experience free?

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

### Is OVO free?

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

### Do BNI Experience or OVO have ads?

Neither BNI Experience nor OVO shows ads.

### Which is updated more often, BNI Experience or OVO?

BNI Experience ships an update fortnightly, and OVO fortnightly. Most recently, BNI Experience was updated on November 1, 2026 and OVO on October 22, 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.*