# Kviko vs m

The clearest difference is rating: Kviko at 5.0 against m's 4.3. Kviko also leads on iOS requirement (13.0 vs 15.0). m's advantage is ratings volume (26 vs 2). On price, update cadence, ads and in-app purchases there is nothing between them.

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

Kviko holds the better App Store score, 5.0 against 4.3. That said, the two scores are not equally well evidenced: m has 26 ratings behind it against 2, so its average is the more settled of the two.

Both ship on a similar rhythm, roughly every 5 months. The most recent releases landed on October 16, 2026 and October 2, 2026 respectively.

## The numbers

| Metric | Kviko | m |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (2 ratings)](https://appshunter.io/ios/app/kviko/id1301295074/reviews)** | [4.3 (26 ratings)](https://appshunter.io/ios/app/m-ba-plus/id1639516373/reviews) |
| Number of ratings | 2 | **26** |
| Positive reviews | — | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | Every 5 months |
| Monetization | Free | Free |
| Size | 7 MB | 450 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [BAMCARD d.d.](https://appshunter.io/developer/1301295073) | [UniCredit Bank d.d. (BiH)](https://appshunter.io/developer/1011241696) |

## 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


### m

[App page](https://appshunter.io/ios/app/m-ba-plus/id1639516373)

Manage your business accounts 24/7 with this mobile banking app. It offers features like transaction overviews, payment processing, card management, and a branch locator for legal entities.

**Highlights:** Account balance and transactions overview, Local and cross-border payments, Transfer between accounts in different currencies, Standing orders contracting, Card security limits set-up, 3DS authorization for web card transactions, Card PIN overview

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

**In-app purchases:** none


## Frequently asked questions

### Is Kviko free?

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

### Is m free?

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

### Which has better reviews, Kviko or m?

Kviko is rated higher. Kviko averages 5.0 out of 5 from 2 ratings, while m averages 4.3 from 26 ratings.

### Do Kviko or m have ads?

Neither Kviko nor m shows ads.

### Which is updated more often, Kviko or m?

Kviko ships an update every 5 months, and m every 5 months. Most recently, Kviko was updated on October 16, 2026 and m on October 2, 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.*