# BNI Mobile Banking vs POSPAY

The clearest difference is rating: BNI Mobile Banking at 4.6 against POSPAY's 1.7. BNI Mobile Banking also leads on ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, review sentiment, update cadence and in-app purchases there is nothing between them.

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

BNI Mobile Banking holds the better App Store score, 4.6 against 1.7. That said, the two scores are not equally well evidenced: BNI Mobile Banking has 845 ratings behind it against 11, so its average is the more settled of the two. Written reviews point the same way: 21% of BNI Mobile Banking's written reviews are positive against 15% of POSPAY's.

BNI Mobile Banking ships an update every 2 months, POSPAY every 6 weeks. The most recent releases landed on October 21, 2026 and October 15, 2026 respectively.

## The numbers

| Metric | BNI Mobile Banking | POSPAY |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (845 ratings)](https://appshunter.io/ios/app/bni-mobile-banking/id967205539/reviews)** | [1.7 (11 ratings)](https://appshunter.io/ios/app/pospay/id1542001621/reviews) |
| Number of ratings | **845** | 11 |
| Positive reviews | **20.9% of reviews** | 15.3% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 2 months | **Every 6 weeks** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 172 MB | 155 MB |
| Requires iOS | **15.0** | 15.5 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [PT. BANK NEGARA INDONESIA (PERSERO) TBK.](https://appshunter.io/developer/623228787) | [PT. Pos Indonesia (Persero)](https://appshunter.io/developer/1542001623) |

## What reviewers say

### BNI Mobile Banking

[App page](https://appshunter.io/ios/app/bni-mobile-banking/id967205539)

This app provides secure and convenient mobile banking services, allowing users to manage accounts, transfer funds, and make various payments directly from their smartphone. It offers features like balance inquiries, bill payments, and even opening new accounts.

**Highlights:** Account information and balance inquiry, Fund transfers (own account, BNI, interbank), Bill and credit card payments, Mobile top-ups, New account opening (Taplus, Deposito), International transactions

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and simple
- 💡 Useful features
- 👍 User-friendly

**What reviewers complain about**

- 🐛 Bugs and crashes
- 🔒 Security and account issues
- 🤖 Compatibility problems
- 📱 Unresponsive UI

**Reported bugs**

- Login and activation issues
- Transfer and payment failures
- Notification and menu display problems
- Incompatibility with iOS 16.4

**Requested features**

- Add English language option
- Improve transaction history and reporting
- Fix issues with point redemption and promotions
- Enhance compatibility with newer devices


### POSPAY

[App page](https://appshunter.io/ios/app/pospay/id1542001621)

This app provides mobile access to financial services and transactions for Giropos account holders. It allows for bill payments, money transfers, financial management, and QR code payments.  It extends the reach of PT Pos Indonesia's extensive service network.

**Highlights:** Bill payment for utilities, installments, and more, Instant money transfers via Weselpos Instan, Giropos account management, QR code scanning for merchant payments, Financial planning tools

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is BNI Mobile Banking free?

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

### Is POSPAY free?

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

### Which has better reviews, BNI Mobile Banking or POSPAY?

BNI Mobile Banking is rated higher. BNI Mobile Banking averages 4.6 out of 5 from 845 ratings, while POSPAY averages 1.7 from 11 ratings.

### Do BNI Mobile Banking or POSPAY have ads?

POSPAY shows ads; BNI Mobile Banking does not.

### Which is updated more often, BNI Mobile Banking or POSPAY?

BNI Mobile Banking ships an update every 2 months, and POSPAY every 6 weeks. Most recently, BNI Mobile Banking was updated on October 21, 2026 and POSPAY on October 15, 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.*