# m vs OTPgo

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.

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

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.

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

## The numbers

| Metric | m | OTPgo |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (1.2K ratings)](https://appshunter.io/ios/app/m-ba/id1011241697/reviews)** | [3.6 (16 ratings)](https://appshunter.io/ios/app/otpgo/id6447007924/reviews) |
| Number of ratings | **1.2K** | 16 |
| Positive reviews | 45.2% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Monthly** |
| Monetization | **Free** | Ad-supported |
| Size | 453 MB | 196 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [UniCredit Bank d.d. (BiH)](https://appshunter.io/developer/1011241696) | [OTP banka d.d.](https://appshunter.io/developer/556850042) |

## What reviewers say

### m

[App page](https://appshunter.io/ios/app/m-ba/id1011241697)

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:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Excellent app
- 👍 Functional and simple
- 👍 Best mobile banking app in BiH
- 👍 Great app, works well
- 👍 Improved with each update

**What reviewers complain about**

- 🐛 Inaccurate transaction confirmations
- 🐛 Inconsistent app behavior across devices
- 🐛 Outdated and confusing UI
- 🐛 Slow app performance
- 🐛 Unreliable account balance information

**Reported bugs**

- App crashes on iPhone 8+
- NFC payments not working
- Widget functionality lost

**Requested features**

- Add Apple Pay support
- Implement dark theme
- Improve transaction categorization
- Introduce 24/7 fund transfers
- Provide an easily accessible exchange rate list


### OTPgo

[App page](https://appshunter.io/ios/app/otpgo/id6447007924)

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:** Apple Wallet

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*