# Kviko vs Union mToken

The clearest difference is iOS requirement: Union mToken at 11.0 against Kviko's 13.0. On price, ads, in-app purchases and device support there is nothing between them.

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

## The numbers

| Metric | Kviko | Union mToken |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (2 ratings)](https://appshunter.io/ios/app/kviko/id1301295074/reviews)** | — |
| Number of ratings | **2** | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | — |
| Monetization | Free | — |
| Size | 7 MB | 5 MB |
| Requires iOS | 13.0 | **11.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [BAMCARD d.d.](https://appshunter.io/developer/1301295073) | [Union Banka DD Sarajevo](https://appshunter.io/developer/1553287751) |

## What reviewers say

### Kviko

[App page](https://appshunter.io/ios/app/kviko/id1301295074)

This app enables mobile money transfers using only the recipient's phone number. It offers secure cash withdrawals via QR codes at ATMs and direct account-to-account transfers. Additionally, it facilitates quick payments to merchants and mobile top-ups.

**Highlights:** Mobile money transfers via phone number, Cash withdrawals at ATMs using a code, Account-to-account transfers, QR code payments at merchants, Mobile top-ups

**Features:** macOS Compatibility

**In-app purchases:** none


### Union mToken

[App page](https://appshunter.io/ios/app/union-mtoken/id1558141457)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Kviko free?

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

### Is Union mToken free?

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

### Do Kviko or Union mToken have ads?

Neither Kviko nor Union mToken shows ads.

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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.*