# m vs Smart Nova Mobile

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.

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.

## The numbers

| Metric | m | Smart Nova Mobile |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (1.2K ratings)](https://appshunter.io/ios/app/m-ba/id1011241697/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/smart-nova-mobile/id6746182379/reviews)** |
| Number of ratings | **1.2K** | 2 |
| Positive reviews | 45.2% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 2 months** |
| Monetization | Free | Free |
| Size | 453 MB | 122 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [UniCredit Bank d.d. (BiH)](https://appshunter.io/developer/1011241696) | [NOVA BANKA a.d. Banja Luka](https://appshunter.io/developer/1544923221) |

## 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- 🐛 Outdated and confusing UI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


### Smart Nova Mobile

[App page](https://appshunter.io/ios/app/smart-nova-mobile/id6746182379)

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.

**Highlights:** Account access, Domestic and international payments, Internal fund transfers, Bill payment, Card limit management, Recurring payment setup, mToken for payment authorization

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is m free?

m is free to download, with no in-app purchases.

### Is Smart Nova Mobile free?

Smart Nova Mobile is free to download, with no in-app purchases.

### Which has better reviews, m or Smart Nova Mobile?

Smart Nova Mobile is rated higher. m averages 4.8 out of 5 from 1.2K ratings, while Smart Nova Mobile averages 5.0 from 2 ratings.

### Do m or Smart Nova Mobile have ads?

Neither m nor Smart Nova Mobile shows ads.

### Which is updated more often, m or Smart Nova Mobile?

m ships an update every 3 months, and Smart Nova Mobile every 2 months. Most recently, m was updated on September 21, 2026 and Smart Nova Mobile on July 5, 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.*