m vs Raiffeisen Mobile Token
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.
Raiffeisen Mobile Token
This mobile token app enhances online banking security for businesses by generating one-time passwords for login and transaction authorization. It offers a convenient, cost-effective, and user-friendly alternative to physical security devices.
- Secure login with one-time passwords
- Transaction authorization codes
- Convenient mobile access
- Enhanced security against fraud
- User-friendly interface
- Cost-effective alternative to physical tokens
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What is Raiffeisen Mobile Banking Business (RMB Business)? The Raiffeisen RMB Business is a mobile token used in online banking instead of a physical token to enhance the security and convenience of account access and transaction authorization. Designed for businesses, the mobile token is integrated into a smartphone app, eliminating the need for physical devices. Key Features: Secure Login: The mobile token generates a one-time password (OTP) to ensure that only authorized users can access the account. Transaction Authorization: For payment confirmation, the mobile token provides an additional layer of security by generating unique codes. Convenience: As part of a mobile app, users can manage their banking activities with the help of the mobile token anywhere and anytime without the need for extra devices. Benefits: Enhanced Security: Reduces the risk of fraud by requiring multi-factor authentication. User-Friendly: Simplifies the process of logging in and approving transactions. Cost-Effective: Eliminates the need for physical security devices, reducing costs for banks and users. The mobile token offers a robust solution for online banking, providing businesses with security in managing their finances online.
Screenshots
Verdict
The clearest difference is rating: m at 4.8 against Raiffeisen Mobile Token's 1.0. m also leads on ratings volume (1.2K vs 1) and update cadence (every 3 months vs every 7 months). On price, ads, in-app purchases and monetization model 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.
m holds the better App Store score, 4.8 against 1.0. That said, the two scores are not equally well evidenced: m has 1.2K ratings behind it against 1, so its average is the more settled of the two.
m ships an update every 3 months, Raiffeisen Mobile Token every 7 months. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.
| Parameter | m | Raiffeisen Mobile Token |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (1.2K ratings) — better | 1.0 (1 ratings) |
| Positive reviews | 45.2% of reviews | — |
| Number of ratings | 1.2K — better | 1 |
| Update frequency | Every 3 months — better | Every 7 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 | 14.0 — better |
| Further details — not scored | ||
| Size | 453 MB | 40 MB |
| Age rating | 4+ | 4+ |
| Developer | UniCredit Bank d.d. (BiH) | Raiffeisen bank dd Bosna i Hercegovina |
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
Raiffeisen Mobile Token
Not enough reviews yet to summarise bugs or requests.
In-app purchases
m
No in-app purchases
Raiffeisen Mobile Token
No in-app purchases








