# CIB OTP Token vs MoneyNotes+

The clearest difference is review sentiment: MoneyNotes+ at 100% against CIB OTP Token's 19%. MoneyNotes+ also leads on rating (5.0 vs 2.8) and update cadence (every 2 weeks vs every 20 months). CIB OTP Token's advantage is in-app purchases (none vs 3) and ratings volume (37 vs 2). On price, ads and iOS requirement there is nothing between them.

Both are free to download. MoneyNotes+ sells 3 in-app purchases, starting at $4.99 per month. CIB OTP Token asks for nothing beyond the download.

MoneyNotes+ holds the better App Store score, 5.0 against 2.8. That said, the two scores are not equally well evidenced: CIB OTP Token has 37 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 19% of CIB OTP Token's written reviews are positive against 100% of MoneyNotes+'s.

CIB OTP Token ships an update every 20 months, MoneyNotes+ every 2 weeks. The most recent releases landed on July 17, 2026 and September 14, 2026 respectively.

## The numbers

| Metric | CIB OTP Token | MoneyNotes+ |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.8 (37 ratings)](https://appshunter.io/ios/app/cib-otp-token/id1074048518/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/moneynotes-plus/id6758619999/reviews)** |
| Number of ratings | **37** | 2 |
| Positive reviews | 18.8% of reviews | **100.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 20 months | **Every 2 weeks** |
| Monetization | **Free** | Freemium |
| Size | 18 MB | 80 MB |
| Requires iOS | **15.0** | 16.4 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Commercial International Bank (Egypt) S.A.E.](https://appshunter.io/developer/1010238465) | [Ahmed Shalash](https://appshunter.io/developer/1873985501) |

## 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


### MoneyNotes+

[App page](https://appshunter.io/ios/app/moneynotes-plus/id6758619999)

Effortlessly track expenses by speaking your transactions. This app uses AI to transcribe and categorize your spending, offering visual financial insights and budget management. Organize finances with multiple wallets and secure sign-in.

**Highlights:** Voice-to-transaction in seconds, AI categorization, Monthly budget tracking, Multiple wallets, Financial insights, Bank SMS automation

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| MoneyNotes Plus Monthly | $4.99 | per month |
| MoneyNotes Premium Monthly | $6.49 | per month |
| MoneyNotes Plus Yearly | $39.99 | per year |


## Frequently asked questions

### Is CIB OTP Token free?

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

### Is MoneyNotes+ free?

MoneyNotes+ is free to download, with in-app purchases available.

### Which has better reviews, CIB OTP Token or MoneyNotes+?

MoneyNotes+ is rated higher. CIB OTP Token averages 2.8 out of 5 from 37 ratings, while MoneyNotes+ averages 5.0 from 2 ratings.

### Do CIB OTP Token or MoneyNotes+ have ads?

Neither CIB OTP Token nor MoneyNotes+ shows ads.

### Which is updated more often, CIB OTP Token or MoneyNotes+?

CIB OTP Token ships an update every 20 months, and MoneyNotes+ every 2 weeks. Most recently, CIB OTP Token was updated on July 17, 2026 and MoneyNotes+ on September 14, 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.*