Comparison

m vs OTPgo

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • Account balance and transaction overview
  • Bill payments
  • International payments
  • Card management and limits
  • Contactless payments with Apple Pay
  • Biometric login
  • Personal finance manager
Features
Read full description

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.

About

OTPgo

Manage your banking needs on the go with this app. Check balances, make payments, view product details, and access loyalty programs. It simplifies digital banking with features like QR code sharing and payment templates.

Highlights
  • Account balance and turnover checks
  • Product details for loans, savings, credit cards
  • Intra-bank and inter-bank payments
  • Foreign account payments
  • Payment order templates
  • Foreign currency exchange
  • Mobile top-up and prepaid card transfers
Features
Read full description

We believe that digital banking should be as simple as ABC. Download the application and experience banking made easy, whenever and wherever. In OTPgo application you can find our product catalogue and the list of locations of our branches and ATMs. Here are only some of the options and transactions available to you with OTPgo application: • Check your account balance at any time • Check your account turnover • Check the details of any products contracted with the bank such as loans, savings or credit cards • Make intra-bank and inter-bank payments • Make payments to foreign accounts – new transaction • Create payment order templates for frequent payments, so as to make them even easier • Buy or sell foreign currency using your foreign currency accounts • Top up mobile phone • Make a simple transfer of funds to your prepaid card(s) • Make various transfers and payments towards your loan, to your saving account or credit card • Join the OTP Round Up donation scheme and view all your donations • Join the OTPrize loyalty scheme and have access to it at all times • Share your account information via QR code

Screenshots

m4 screens
OTPgo4 screens

Verdict

The call

The clearest difference is review sentiment: OTPgo at 100% against m's 45%. OTPgo also leads on update cadence (monthly vs every 3 months). m's advantage is rating (4.8 vs 3.6) and ratings volume (1.2K vs 16). On price, ads, in-app purchases and device support 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

m holds the better App Store score, 4.8 against 3.6. That said, the two scores are not equally well evidenced: m has 1.2K ratings behind it against 16, so its average is the more settled of the two. Written reviews complicate that: 45% of m's written reviews are positive against 100% of OTPgo's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

m ships an update every 3 months, OTPgo monthly. The most recent releases landed on October 19, 2026 and October 15, 2026 respectively.

Scorecard5 real differences · 5 level
m versus OTPgo: the parameters behind the verdict, then further details
ParametermOTPgo
PriceFreeFree
Rating4.8 (1.2K ratings) — better3.6 (16 ratings)
Positive reviews45.2% of reviews100.0% of reviews — better
Number of ratings1.2K — better16
Update frequencyEvery 3 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.015.0
Further details — not scored
Size453 MB196 MB
Age rating4+17+
DeveloperUniCredit Bank d.d. (BiH)OTP banka d.d.

Customer experience

m

All ratings1,199 ratings
Positive94.4%
Neutral2.5%
Negative3.1%
Written reviews42 reviews
Positive45.2%
Neutral14.3%
Negative40.5%

OTPgo

All ratings16 ratings
Positive62.5%
Neutral12.5%
Negative25.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

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

OTPgo

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

m

No in-app purchases

None

OTPgo

No in-app purchases

Questions

Is m free?
m is free to download, with no in-app purchases.
Is OTPgo free?
OTPgo is free to download, with no in-app purchases.
Which has better reviews, m or OTPgo?
m is rated higher. m averages 4.8 out of 5 from 1.2K ratings, while OTPgo averages 3.6 from 16 ratings.
Do m or OTPgo have ads?
Neither m nor OTPgo shows ads.
Which is updated more often, m or OTPgo?
m ships an update every 3 months, and OTPgo monthly. Most recently, m was updated on October 19, 2026 and OTPgo on October 15, 2026.

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