# m vs NLB Pay

The clearest difference is rating: m at 4.7 against NLB Pay's 4.5. NLB Pay's advantage is review sentiment (45% vs 30%). On price, ratings volume, update cadence and ads there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

m holds the better App Store score, 4.7 against 4.5. Both are backed by a comparable volume of ratings — 184 and 75 respectively. Written reviews complicate that: 30% of m's written reviews are positive against 45% of NLB Pay's, so the app with the better star average is not the one people write more warmly about.

m ships an update every 3 months, NLB Pay every 2 months. The most recent releases landed on October 23, 2026 and October 29, 2026 respectively.

## The numbers

| Metric | m | NLB Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (184 ratings)](https://appshunter.io/ios/app/m-bank/id1097830003/reviews)** | [4.5 (75 ratings)](https://appshunter.io/ios/app/nlb-pay/id1509897528/reviews) |
| Number of ratings | **184** | 75 |
| Positive reviews | 30.0% of reviews | **45.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 2 months** |
| Monetization | Free | Free |
| Size | 467 MB | 80 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [UniCredit Bank a.d. Banja Luka](https://appshunter.io/developer/1097830002) | [NLB d.d.](https://appshunter.io/developer/1478872160) |

## What reviewers say

### m

[App page](https://appshunter.io/ios/app/m-bank/id1097830003)

This mobile banking app allows users to manage accounts, make payments, and access banking services conveniently. It offers features like transaction history, bill payments, ATM/branch locators, and secure login options.

**Highlights:** Account and card overview, All types of payment, Branch & ATM locator, Foreign currency exchange, Fingerprint authentication, Contactless payment via Apple Pay, Push notifications

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


### NLB Pay

[App page](https://appshunter.io/ios/app/nlb-pay/id1509897528)

This mobile wallet allows for contactless payments in stores and cash withdrawals at ATMs using your phone. It also facilitates instant money transfers to friends and family, online payment confirmations, and management of card security settings.

**Highlights:** Contactless payments with NFC, Instant money transfers via Flik, Online payment confirmation, Card security management, Add loyalty cards, View transaction history

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is m free?

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

### Is NLB Pay free?

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

### Which has better reviews, m or NLB Pay?

m is rated higher. m averages 4.7 out of 5 from 184 ratings, while NLB Pay averages 4.5 from 75 ratings.

### Do m or NLB Pay have ads?

Neither m nor NLB Pay shows ads.

### Which is updated more often, m or NLB Pay?

m ships an update every 3 months, and NLB Pay every 2 months. Most recently, m was updated on October 23, 2026 and NLB Pay on October 29, 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.*