Comparison

m vs SubsTrack

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

m

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
Read full description

M-bank aplikacija UniCredit Bank a.d. Banja Luka štedi Vaše vrijeme i novac. Aplikacija je jednostavna za korišćenje, uvijek dostupna, a provizije su znatno niže nego na šalterima. M-bank aplikacija Vam omogućava da brzo završite svakodnevne bankarske transakcije i da uvijek prvi saznate najvažnije informacije. Na raspolaganju su Vam: Uvid u sve vrste računa i kartica Prikaz transakcijskog računa radi boljeg pregleda i korisničkog iskustva Sve vrste plaćanja PDF potvrde o plaćanju Informacije o proizvodima i uslugama naše Banke Lociranje najbližih bankomata i filijala Mjenjačnica Mogućnost slanja naloga ino platnog prometa Ugovaranje trajnih naloga Upravljanje sigurnosnim dnevnim limitima 3DS autorizacija web kartičnih transakcija putem m-bank aplikacije Pregled PIN koda za debitne i kreditne kartice Apple Pay – beskontaktno plaćanje telefonom na POS terminalima Primanje važnih obavještenja i informacija putem push poruke Podjela na rate transakcija kreditnim karticama • Dodatne funkcionalnosti m-bank aplikacije: Logovanje putem otiska prsta – ne morate da unosite PIN Dokumenti u m-bank Brza provjera stanja – provjerite stanje na računu bez logovanja u aplikaciju M-token za prijavu na e-ba M-bank i M-token možete dobiti u svim filijalama UniCredit Bank a.d. Banja Luka. Ukoliko ste već prijavljeni za ovu uslugu, m-bank možete reaktivirati bez dolaska u filijalu. ------------------------------------------------- M-bank application UniCredit Bank a.d. Banja Luka saves your time and money. Application is user friendly ; always available and payment fees are significantly lower than in branches. M-bank application UniCredit Bank a.d. Banja Luka enables you to easily make banking transactions and to always be the first to find out what is new. Accounts and cards overview All types of payment Enhanced transaction account display for improved visibility and user experience. PDF payment confirmations Information for product and services Branch & ATM locator Foreign currency exchange Possibility to send foreign payment orders Contracting standing orders Managing daily security limits 3DS authorization of web card transactions via m-bank application View debit and credit card PINs Apple Pay – contactless payment by phone at POS terminals Push notifications for important information Credit card installments • Additional m-bank features: Fingerprint authentication – no need to enter PIN to log in Documents in m-bank “Fast check” – you can check your balance without logging in M-token for e-ba authentication – excellent replacement for hardware token You can get m-bank and m-token at all UniCredit Bank branches. If you are already registered for this service, you can reactivate m-bank without coming to the branch.

About

SubsTrack

Features
Read full description

SubsTrack tracks subscriptions and reminds you before renewals. SubsTrack is built around one focused idea, with a polished, native interface and zero clutter. FEATURES - Clear, private tracking - On-device only — no bank login - Helpful charts - No account needed PRIVACY Everything stays on your device. No accounts, no ads, no tracking. — SUBSCRIPTION — SubsTrack Premium unlocks all features. - Weekly: $9.99 per week - Yearly: $49.99 per year (3-day free trial) Payment is charged to your Apple ID at confirmation of purchase. Subscriptions auto-renew unless turned off at least 24 hours before the end of the current period. Manage or cancel anytime in App Store settings. Terms of Use (EULA): https://web-levi.web.app/terms-of-service Privacy Policy: https://web-levi.web.app/privacy-policy

Screenshots

m4 screens
SubsTrack3 screens

Verdict

The call

The clearest difference is in-app purchases: m at none against SubsTrack's 2. m also leads on iOS requirement (15.0 vs 17.0). SubsTrack's advantage is update cadence (every 3 weeks vs every 3 months). On price, ads and device support 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. SubsTrack sells 2 in-app purchases, starting at $4.99 per 7 days. m asks for nothing beyond the download.

UpkeepUpdate frequency

m ships an update every 3 months, SubsTrack every 3 weeks. The most recent releases landed on September 21, 2026 and September 20, 2026 respectively.

Scorecard3 real differences · 7 level
m versus SubsTrack: the parameters behind the verdict, then further details
ParametermSubsTrack
PriceFreeFree
Rating4.7 (182 ratings) — better—
Positive reviews30.0% of reviews—
Number of ratings182 — better—
Update frequencyEvery 3 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhone, iPod — betteriPhone
Requires iOS15.0 — better17.0
Further details — not scored
Size443 MB1 MB
Age rating4+4+
DeveloperUniCredit Bank a.d. Banja LukaPhuc Pham

In-app purchases

None

m

No in-app purchases

2 purchases

SubsTrack

Subscriptions2
  • Weekly$4.997 Days
  • Yearly$24.991 Year

Questions

Is m free?
m is free to download, with no in-app purchases.
Is SubsTrack free?
SubsTrack is free to download, with in-app purchases available.
Do m or SubsTrack have ads?
Neither m nor SubsTrack shows ads.
Which is updated more often, m or SubsTrack?
m ships an update every 3 months, and SubsTrack every 3 weeks. Most recently, m was updated on September 21, 2026 and SubsTrack on September 20, 2026.

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