# CIB OTP Token vs BM Online

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.

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.

## The numbers

| Metric | CIB OTP Token | BM Online |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.8 (38 ratings)](https://appshunter.io/ios/app/cib-otp-token/id1074048518/reviews) | **[4.2 (2.1K ratings)](https://appshunter.io/ios/app/bm-online/id1462899730/reviews)** |
| Number of ratings | 38 | **2.1K** |
| Positive reviews | 16.0% of reviews | **53.3% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 20 months | **Monthly** |
| Monetization | Free | Free |
| Size | 18 MB | 226 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Commercial International Bank (Egypt) S.A.E](https://appshunter.io/developer/1010238465) | [Banque Misr S.A.E](https://appshunter.io/developer/1198210183) |

## What reviewers say

### CIB OTP Token

[App page](https://appshunter.io/ios/app/cib-otp-token/id1074048518)

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.

**Highlights:** Generate One Time Passcodes, Authorize 3rd party transactions, External account transfers, Online Banking integration, Secure authorization

**Features:** macOS Compatibility

**In-app purchases:** none


### BM Online

[App page](https://appshunter.io/ios/app/bm-online/id1462899730)

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.

**Highlights:** 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)

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly interface
- 🚀 Efficient banking transactions
- 💡 Innovative features
- 🔒 Secure authentication options
- 🌟 Excellent customer service

**What reviewers complain about**

- 🐛 Frequent crashes and bugs
- ⏱️ Slow response times
- 🔑 Complicated login process
- 💼 Lack of advanced features
- 🔋 High battery consumption

**Reported bugs**

- 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**

- 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


## Frequently asked questions

### Is CIB OTP Token free?

CIB OTP Token is free to download, with no in-app purchases.

### Is BM Online free?

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

### Which has better reviews, CIB OTP Token or BM Online?

BM Online is rated higher. CIB OTP Token averages 2.8 out of 5 from 38 ratings, while BM Online averages 4.2 from 2.1K ratings.

### Do CIB OTP Token or BM Online have ads?

Neither CIB OTP Token nor BM Online shows ads.

### Which is updated more often, CIB OTP Token or BM Online?

CIB OTP Token ships an update every 20 months, and BM Online monthly. Most recently, CIB OTP Token was updated on November 2, 2026 and BM Online on November 7, 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.*