m vs Smart Nova Mobile
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.
Smart Nova Mobile
This mobile banking app allows clients to conduct financial transactions and manage their accounts 24/7. It facilitates payments, internal transfers, and bill payments, offering secure and convenient banking services. Users can also manage card limits and set up recurring payments.
- Account access
- Domestic and international payments
- Internal fund transfers
- Bill payment
- Card limit management
- Recurring payment setup
- mToken for payment authorization
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Nova banka a.d. Banja Luka omogućava klijentima Banke, fizičkim i pravnim licima ili samostalnim preduzetnicima elektronsku razmjenu informacija sa Bankom putem aplikacije mobilnog bankarstva Smart Nova Mobile. Smart Nova Mobile je dostupna 24/7 na iOS uređajima, uz potrebnu internet konekciju. Funkcionalnosti Smart Nova Mobile: - pristup svim aktivnim računima/partijama - obavljanje plaćanja u unutrašnjem platnom prometu i međunarodnom platnom prometu - interni prenosi sredstava u domaćoj i stranoj valuti, unutar vlastitih računa - uvid u ovlaštene račune - kreiranje šablona za redovna plaćanja - kreiranje trajnih naloga za automatsko izvršenje plaćanja sa izborom periodike - prijem i plaćanje režijskih računa - upravljanje limitima potrošnje platnih kartica - podjela transakcije na rate - upotreba mTokena za potpisivanje predatih naloga za plaćanje Smart Nova Mobile obezbjeđuje jednostavno i sigurno poslovanje sa Bankom, uz znatno niže naknade za realizaciju plaćanja.
Screenshots
Verdict
The clearest difference is ratings volume: m at 1.2K against Smart Nova Mobile's 2. Smart Nova Mobile's advantage is rating (5.0 vs 4.8). On price, update cadence, ads and in-app purchases 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.
Smart Nova Mobile holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: m has 1.2K ratings behind it against 2, so its average is the more settled of the two.
m ships an update every 3 months, Smart Nova Mobile every 2 months. The most recent releases landed on September 21, 2026 and July 5, 2026 respectively.
| Parameter | m | Smart Nova Mobile |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (1.2K ratings) | 5.0 (2 ratings) — better |
| Positive reviews | 45.2% of reviews | — |
| Number of ratings | 1.2K — better | 2 |
| Update frequency | Every 3 months | Every 2 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 | 15.0 |
| Further details — not scored | ||
| Size | 453 MB | 122 MB |
| Age rating | 4+ | 4+ |
| Developer | UniCredit Bank d.d. (BiH) | NOVA BANKA a.d. Banja Luka |
Customer experience
m
Smart Nova Mobile
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
Smart Nova Mobile
Not enough reviews yet to summarise bugs or requests.
In-app purchases
m
No in-app purchases
Smart Nova Mobile
No in-app purchases
