Comparison

mHNB vs POBAgo

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

Head to head
About

mHNB

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Hrvatska narodna banka (HNB) središnja je banka Republike Hrvatske; vodi monetarnu politiku, upravlja međunarodnim pričuvama RH, izdaje novčanice i kovani novac, izdaje i oduzima odobrenja za rad kreditnim institucijama, kreditnim unijama, institucijama za platni promet i elektronički novac te nadzire njihovo poslovanje. HNB također izdaje odobrenja za rad ovlaštenim mjenjačima. -------------------------------------------------------------- The Croatian National Bank (CNB) is the central bank of the Republic of Croatia; it executes monetary policy, manages international reserves of the Republic of Croatia, issues banknotes and coins, issues and revokes authorisations of credit institutions, credit unions, payment institutions and electronic money institutions and supervises their operation. The CNB also issues authorisations of authorised exchange offices.

About

POBAgo

Features
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Feel the freedom and simplicity of handling your finances on the go. POBAgo allows you to: - manage personal and business accounts in one app - check the balance, traffic and details of accounts - give payment orders for domestic and foreign payments and internal transfers - pay bills easily using the Scan and pay option - communicate with the Bank through the virtual inbox - buy and sell foreign currencies - activate standing orders - transfer funds from POBArate limit into your transaction account (eCash) - transfer funds from Mastercard limit into your transaction account - check cards traffic and details - request PIN for an existing card - split Mastercard credit card transactions into installments - activate your card - temporarily block and unblock your card, as well as cancel it - activate Aktiviraj sitniš (Spare change) - change your card delivery address - change card limits for ATM cash withdrawal, EFTPOS payments and internet payments - login and authorize payments using biometric data (fingerprint or face recognition) - check selected account balance without logging into the application (Quick balance) - download and share pdf receipts and statements - assign nicknames to individual accounts Security measures: You can access the application by entering the PIN known only to you or using biometric data. The application is locked due to inactivity and requires you to log in again. In case of repeated wrong PIN entries, the application is deactivated due to security reasons and needs to be reactivated.

Screenshots

mHNB4 screens
POBAgo4 screens

Verdict

The call

The clearest difference is update cadence: POBAgo at every 3 months against mHNB's every 7 months. On price, ads, in-app purchases 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. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

mHNB ships an update every 7 months, POBAgo every 3 months. The most recent releases landed on October 2, 2026 and October 11, 2026 respectively.

Scorecard1 real difference · 5 level
mHNB versus POBAgo: the parameters behind the verdict, then further details
ParametermHNBPOBAgo
PriceFreeFree
Update frequencyEvery 7 monthsEvery 3 months — better
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS14.0 — better15.0
Further details — not scored
Size15 MB77 MB
Age rating4+4+
DeveloperHrvatska narodna bankaPodravska banka d.d.

In-app purchases

None

mHNB

No in-app purchases

None

POBAgo

No in-app purchases

Questions

Is mHNB free?
mHNB is free to download, with no in-app purchases.
Is POBAgo free?
POBAgo is free to download, with no in-app purchases.
Do mHNB or POBAgo have ads?
Neither mHNB nor POBAgo shows ads.
Which is updated more often, mHNB or POBAgo?
mHNB ships an update every 7 months, and POBAgo every 3 months. Most recently, mHNB was updated on October 2, 2026 and POBAgo on October 11, 2026.

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