CIB OTP Token vs BM Online
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
CIB OTP Token
Generate One Time Passcodes for authorizing third-party transactions outside your own accounts on the CIB Egypt Online Banking platform. This app is essential for secure external fund transfers.
- Generate One Time Passcodes
- Authorize 3rd party transactions
- External account transfers
- Online Banking integration
- Secure authorization
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CIB OTP Token allows you to generate a One Time Passcode need to authorize 3rd party transactions outside own accounts on the Online Banking platform for the Commercial International Bank (CIB) Egypt.
BM Online
Manage your bank accounts, transfer funds, and handle your cards securely from your mobile device. This app provides convenient access to your financial information and allows you to perform various banking transactions on the go.
- Account access and balance inquiry
- Transaction history viewing
- Fund transfers (own, BM, local EGP)
- Scheduled payments
- Card management and prepaid reload
- Credit card repayment
- Service requests (cheque book, stop cheque, lost card)
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BM Online is a full-fledged Mobile Banking solution, designed to offer you a convenient, friendly and secure access to your BM accounts, anytime, anywhere. Features to stay on top of your finances 1. Accounts • Access your accounts anytime • Inquire on your balance • View your mini-statement and your transaction history 2. Transfer Manage your beneficiaries and perform fund transfers securely: • Between your own accounts • To another BM account • To other local bank accounts in EGP • For scheduled payments (standing orders) 3. Cards Manage your BM cards easily by: • Viewing your card details • Reloading your BM prepaid card • Repaying your BM credit card 5. Service Requests • Request for a cheque book • Perform a Stop Cheque • Report a lost card • Create Term Deposit • Create Certificate of Deposit • Create C.A.S.A. Account • Leave Feedback Security Your BM Online offers you a secure and trusted Mobile Banking experience through: • User ID • WAS authentication • Transaction Password 1. Click on the Register button from the Login page. 2. Insert your BM Internet Banking National ID, select Card Type and the enter your card and accept the terms & conditions. 3. Insert your card details like Pin/Expiry. 4. Insert the OTP (One Time Password) that will be sent to you via SMS on your registered mobile number or email address. 5. Key in a valid user id and password and you are now connected to your Bank. Contact us For more information, visit any of our branches or contact us on: Tel: +2019888 Email: Internetandmobilebanking@banquemisr.com Website: www.banquemisr.com
Screenshots
Verdict
The clearest difference is rating: BM Online at 4.2 against CIB OTP Token's 2.8. BM Online also leads on review sentiment (53% vs 16%) and update cadence (monthly vs every 20 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.
BM Online holds the better App Store score, 4.2 against 2.8. That said, the two scores are not equally well evidenced: BM Online has 2.1K ratings behind it against 38, so its average is the more settled of the two. Written reviews point the same way: 16% of CIB OTP Token's written reviews are positive against 53% of BM Online's.
CIB OTP Token ships an update every 20 months, BM Online monthly. The most recent releases landed on November 2, 2026 and November 7, 2026 respectively.
| Parameter | CIB OTP Token | BM Online |
|---|---|---|
| Price | Free | Free |
| Rating | 2.8 (38 ratings) | 4.2 (2.1K ratings) — better |
| Positive reviews | 16.0% of reviews | 53.3% of reviews — better |
| Number of ratings | 38 | 2.1K — better |
| Update frequency | Every 20 months | Monthly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 18 MB | 226 MB |
| Age rating | 4+ | 4+ |
| Developer | Commercial International Bank (Egypt) S.A.E | Banque Misr S.A.E |
Customer experience
CIB OTP Token
BM Online
Bugs and requests
CIB OTP Token
Not enough reviews yet to summarise bugs or requests.
BM Online
Reported bugs
5 issues- App not compatible with latest iOS versions
- Login failures and session timeouts
- Inability to retrieve account information
- Inconsistent performance across devices
- Glitches in money transfer functionality
Requested features
5 requests- Face ID or biometric login support
- Ability to cancel certificates remotely
- Improved transaction details and history
- Seamless integration with other banking services
- Personalized account management tools
In-app purchases
CIB OTP Token
No in-app purchases
BM Online
No in-app purchases
