m vs m
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
m
Manage your finances on the go with this mobile banking app. Check balances, pay bills, transfer funds, and manage cards. It offers secure login, contactless payments, and budgeting tools for complete financial oversight.
- Account balance and transaction overview
- Bill payments
- International payments
- Card management and limits
- Contactless payments with Apple Pay
- Biometric login
- Personal finance manager
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BH: Sa mobilnim bankarstvom (m-ba) upravljajte svojim računima kada god poželite. m-ba je brza, jednostavna i praktična usluga UniCredit Bank d.d. Mostar koja Vam omogućava potpuni nadzor nad vlastitim novcem: - Pregled stanja i prometa svih Vaših računa i računa po kojima ste opunomoćeni - Plaćanje režija i drugih računa - Mogućnost slanja naloga ino platnog prometa - Ugovaranje trajnih naloga - Prijenos sredstava između Vaših računa - Pregled troškova i limita po karticama - Podjela transakcija na rate nastalih kreditnim karticama - Upravljanje sigurnosnim dnevnim limitima - Apple Pay – beskontaktno plaćanje telefonom na POS terminalima - Aktiviranje novih i reizdanih kartica - 3DS autorizacija web kartičnih transakcija putem m-ba ili m-token aplikacije - Pregled PIN koda za debitne i kreditne kartice - Ugovaranje i plaćanje e-uplatnica - Dokumenti u m-ba - Prijava u aplikaciju pomoću biometrije - Upravljanje budžetom i troškovima - Brza provjera računa bez prijave u m-ba - Pregled kontakata u Banci... m-token je aplikacija koja služi za identifikaciju korisnika i potvrdu izvršavanja transakcija putem usluge Internet bankarstvo (e-ba). m-ba i m-token aplikaciju možete ugovoriti u najbližoj poslovnici UniCredit Bank d.d. Mostar. EN: Mobile banking (m-ba app) enables you to manage your accounts wherever you want. m-ba is simple, fast and user-friendly mobile service of UniCredit Bank d.d. Mostar, which provides you with the full oversight of your personal finances: - Checking account balances and list of transactions for all your accounts, including accounts which you are authorised to operate - Payment of utility bills and other invoices - Foreign exchange within your accounts - International payments processing - Standing orders contracting - Credit card installments - Card limits management - Apple Pay – contactless payment by phone at POS terminals - Card activation - 3DS authorize card transactions with m-ba or m-token app - Card PIN view - Set-up and payment of e-bills - Documents in m-ba - Application login with biometrics authentication - Personal finance manager - Fast check account balance using widget option - Bank contact details… m-token is an application which serves for client identification and transaction verification via Internet banking (e-ba). Apply for m-ba and m-token services at all UniCredit Bank d.d. Mostar branches.
m
Manage your finances from anywhere with this comprehensive mobile banking app. Pay bills, transfer money, check balances, apply for loans, and even trade stocks. Secure and user-friendly, it puts financial control in your pocket.
- Pay bills via m-foto pay
- Transfer money with IziPay
- Check account balances and transactions
- Apply for cash and housing loans
- Trade shares in investment funds
- Manage credit cards and limits
- Pay for parking
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Bez obzira na to gdje se nalazili, m-zaba vam omogućuje potpunu kontrolu nad financijama. m-zabom možete: • plaćati račune putem m-foto plati • uplaćivati na račune u Hrvatskoj i inozemstvu • prenositi novac na najjednostavniji način uslugom IziPay - dovoljno je znati broj telefona primatelja • provjeravati stanja i promete po računima, štednjama i kreditima • dobiti informativni izračun gotovinskog i stambenog kredita • ugovoriti gotovinski kredit, kreditnu karticu, dopušteno prekoračenje • ugovoriti ili promijeniti paket proizvoda i usluga • naknadno podijeliti na rate jednokratne transakcije učinjene Individualnom Mastercard kreditnom karticom ili one po tekućem računu u eurima • pronaći sve informacije o karticama, provjeriti PIN-ove, upravljati dnevnim limitima te blokirati karticu u slučaju gubitka ili krađe • dobivati obavijesti o primljenim uplatama • trgovati udjelima u fondovima ZB Investa i kreirati svoj investicijski plan te ugovarati do pet trajnih naloga istovremeno u različite investicijske fondove • trgovati na svjetskim burzama uz uslugu ZB Trader Global • plaćati parking te uzeti listić s brojem za red u poslovnici. m-zabu ugovorite u poslovnici. SIGURNOST Zagrebačka banka posvećuje posebnu pozornost sigurnosti korisnika mobilnog bankarstva. • PIN kojim se pristupa poznat je samo korisniku, stoga u slučaju krađe ili gubitka mobitela ne može doći do zlouporabe. • Podaci o PIN-u i računima ne pohranjuju se u mobitel, a unos PIN-a zaštićen je varijabilnom tipkovnicom. • Usluge kojima se pristupa PIN-om automatski se blokiraju u slučaju višestrukog uzastopnog unosa netočnog PIN-a. • Nakon tri minute nekorištenja m-zaba će automatski odjaviti korisnika. Regardless of where you are, m-zaba gives you complete control over your finances. With m-zaba you can: • pay bills via m-foto pay • make payments to the accounts in Croatia and abroad • easily transfer money with the IziPay service. Recipient’s phone number is all you need. • check the balances and transfers of accounts, savings, and loans • obtain an informative calculation of cash and housing loan • arrange a cash loan, credit card, contracted overdraft • contract or change a package of products and services • subsequently divide one-time transactions made with an Individual Mastercard credit card or transactions on the current account in euros into instalments • find all card information, check PIN’s, manage daily limits and block the card in the event of loss or theft • receive notifications about received payments • trade shares in ZB Invest funds and create your investment plan and contract up to five standing orders into investment funds • trade on world stock exchanges with the ZB Trader Global service. • pay for parking and take queue number ticket for the queue in the branch office. Arrange m-zaba in a branch. SAFETY Zagrebačka Banka pays special attention to the security of operations performed by mobile banking clients. • PIN used to access the services is only known by the user and therefore there is no threat of abuse if a mobile device is stolen or lost. • PIN and account information are not stored in the mobile device, and the entry of PIN is protected by a variable keypad. • The services that are accessed by entering PIN are automatically blocked if an incorrect PIN is repeatedly entered. • After a 3-minute period of inactivity, m-zaba automatically logs out the user.
Screenshots
Verdict
The clearest difference is update cadence: m at monthly against m's every 3 months. m's advantage is review sentiment (45% vs 36%). On price, rating, ratings volume and ads there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 4.8 for m against 4.8 for m. Both are backed by a comparable volume of ratings — 1.2K and 1K respectively. Written reviews are what separate them: 45% of m's written reviews are positive against 36% of m's.
m ships an update every 3 months, m monthly. The most recent releases landed on September 21, 2026 and September 22, 2026 respectively.
| Parameter | m | m |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (1.2K ratings) | 4.8 (1K ratings) |
| Positive reviews | 45.2% of reviews — better | 36.0% of reviews |
| Number of ratings | 1.2K — better | 1K |
| Update frequency | Every 3 months | Monthly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 | 15 |
| Further details — not scored | ||
| Size | 453 MB | 500 MB |
| Age rating | 4+ | 4+ |
| Developer | UniCredit Bank d.d. (BiH) | Zagrebačka banka d.d. |
Customer experience
m
m
User reviews
m
From 1.2K App Store ratingsWhat we love
- 👍 Excellent app
- 👍 Functional and simple
- 👍 Best mobile banking app in BiH
- 👍 Great app, works well
- 👍 Improved with each update
Room to improve
- 🐛 Inaccurate transaction confirmations
- 🐛 Inconsistent app behavior across devices
- 🐛 Outdated and confusing UI
- 🐛 Slow app performance
- 🐛 Unreliable account balance information
m
From 1K App Store ratingsWhat we love
- 👍 Excellent service
- 👍 Easy to use credit cards
- 👍 Simple and easy
- 👍 Bills paid in seconds
- 👍 Excellent service
Room to improve
- 🐛 Biometry activation bug
- 🐛 App not working on iOS 16.3.1
- 🐛 App no longer working with new iOS on iPhone 14
- 🐛 Blocked after update, new version is terrible
- 🐛 Outdated, unintuitive, and cluttered UI
Bugs and requests
m
Reported bugs
3 issues- App crashes on iPhone 8+
- NFC payments not working
- Widget functionality lost
Requested features
5 requests- Add Apple Pay support
- Implement dark theme
- Improve transaction categorization
- Introduce 24/7 fund transfers
- Provide an easily accessible exchange rate list
m
Reported bugs
4 issues- Biometry activation bug
- App not working on iOS 16.3.1
- App no longer working with new iOS on iPhone 14
- Blocked after update, new version is terrible
Requested features
4 requests- Enable changing dates for previous transactions
- Add Apple Pay support
- Improve Face ID/Touch ID integration
- Allow transferring money between Euro and Kuna accounts
In-app purchases
m
No in-app purchases
m
No in-app purchases









