# M36 — Investments and Lifestyle > Digital platform for personalized investment and lifestyle financial services. (iPhone/iPad app by Union Bank of Nigeria Plc.) - Source: https://appshunter.io/ios/app/m36/id1473487545 (this page in markdown: same URL + `.md`) - Developer: [Union Bank of Nigeria Plc](https://appshunter.io/developer/950990898) - Category: Finance - Price: Free - Rating: 4.00/5 from 7 App Store ratings · 5 written reviews indexed - Age rating: 17+ - Requires: iOS 16.3 · 210 MB - Languages: American English - Released: 2020-11-29 - Data updated: 2026-08-15 - Monetization: ad-supported - User reviews in markdown: https://appshunter.io/ios/app/m36/id1473487545/reviews.md ## What is M36? As our world becomes more digitally-connected, there's an increasing need for an innovative, dynamic, and on-demand solution to wealth management needs. M36 by Union Bank is poised to meet this need by delivering personalised online investment products and services. Our suite of tailored investment and lifestyle products and services has been carefully curated to help bring our users closer to their financial goals, M36 . Investments: Whether you're a first time investor, a seasoned professional, or you just want to track your investments more easily, we've got you covered with our simplified, user-friendly app. With our different returns percentages, from Eurobonds to Treasury Bills, we have created a very competitive and responsive platform that allows you to easily choose how you would like to invest, based on each your personalized risk profile. Introducing the Digital Concierge Our digital concierge service is available 24/7 to answer any questions you may have and help with all your investment needs, from building and growing your investment portfolio, to funding your wallet, and so much more. Investment Advisors: Our investment advisors are available to make the most of your investments and actively manage your portfolio if required. Life Essentials: From cash and asset backed loans to personal travel allowance to setting up a will, we’ve created a bouquet of solutions to help you live your best life without compromising your wealth goals. Wealth Management: Enjoy exclusive products and services with our wealth management service. We offer a bespoke service with investment advisors available to manage your investments. Our wealth management proposition is strictly by invitation. Contact our Concierge for more information.  NO deposit fees. NO monthly fees. Bank-level security. Welcome to M36 – the Freedom to Choose! ## Key features - Personalized investment products - Digital concierge service 24/7 - Investment advisors - Loans and asset-backed financing - Estate planning services - Wealth management by invitation ## Recent user reviews (5 of 5) All indexed reviews: https://appshunter.io/ios/app/m36/id1473487545/reviews.md ### 1/5 — Poor *2024-11-11, version 2.0.21* App is always having one issue or other. Unreliable ### 5/5 — Awesome! *2024-03-26* From setting financial goals to tracking investments, this app covers it all with finesse. It's rare to find such a comprehensive wealth management tool that's also incredibly user-friendly. ### 5/5 — App magnifique!!! *2024-03-25* From setting financial goals to tracking investments, this app covers it all with finesse. It's rare to find such a comprehensive wealth management tool that's also incredibly user-friendly! ### 4/5 — Very nice App *2023-04-05, version 2.0.2* Would love for the wallet to be able to make transfers to other banks ### 1/5 — Phone number confirmation is ‘oh God’ *2021-03-14, version 1.3.1* The 6 digits security code to confirm your number took forever. It never came in two trials. So registration wasn’t completed. ## Frequently asked questions about M36 ### What is M36? M36 is a digital platform by Union Bank offering personalized online investment products and services, along with lifestyle essentials like loans and estate planning. ### Is M36 free to use? Yes, M36 is free to download and use. There are no deposit fees or monthly fees associated with the app. ### Does M36 have ads? Yes, M36 contains advertisements. ### What types of investments can I make with M36? M36 offers investments such as Eurobonds and Treasury Bills, with options tailored to your personalized risk profile. ### How secure is M36? M36 utilizes bank-level security to protect your financial information and investments. ### Can I get help with my investments on M36? Yes, M36 provides a 24/7 digital concierge service and offers access to investment advisors for portfolio management and guidance. ### What lifestyle services does M36 offer? M36 provides a range of lifestyle services including cash and asset-backed loans, personal travel allowance, and assistance with setting up a will. ### What devices is M36 available on? M36 is currently supported on iPhone devices. ## Version history (last 5 releases) ### 2.2.31 — 2026-08-13 Improved security features ### 2.2.30 — 2026-04-27 Performance Improvement ### 2.2.29 — 2026-01-25 Improved UI, feature changes. ### 2.2.28 — 2025-10-13 Improved Security Features ### 2.2.25 — 2025-08-08 - Liquidation fix - Add security feature ## Apps similar to M36 | App | Rating | Price | Category | | --- | --- | --- | --- | | [Monicredit](https://appshunter.io/ios/app/monicredit/id6473829350) | — | Free | Finance | | [Parivest - Save and Invest](https://appshunter.io/ios/app/parivest-save-and-invest/id1604783661) | 5.0 (4) | Free | Finance | | [AIICO Invest](https://appshunter.io/ios/app/aiico-invest/id6448627710) | 1.0 (1) | Free | Finance | | [MyInvestar](https://appshunter.io/ios/app/myinvestar/id1620126521) | 4.6 (16) | Free | Finance | | [MyHives NG](https://appshunter.io/ios/app/myhives-ng/id6446136630) | — | Free | Finance | | [RAF - Investment](https://appshunter.io/ios/app/raf-investment/id6740771324) | 5.0 (2) | Free | Finance | ## More apps by Union Bank of Nigeria Plc - [UnionToken](https://appshunter.io/ios/app/uniontoken/id950990899) - [UnionMobile](https://appshunter.io/ios/app/unionmobile/id1253595309) - [UBN Turbo](https://appshunter.io/ios/app/ubn-turbo/id1576486538) - [Union360](https://appshunter.io/ios/app/union360/id1612461612) - [Union Token Staffs](https://appshunter.io/ios/app/union-token-staffs/id1665136090) All apps by Union Bank of Nigeria Plc: https://appshunter.io/developer/950990898 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-15.*