Comparison

KEKS Pay vs m

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

Head to head
About

KEKS Pay

Send and receive money quickly and securely with this free app. Easily split costs with friends, request payments, and manage group expenses without any fees. It's a simple way to handle everyday transactions.

Highlights
  • Send and receive money
  • No transaction fees
  • Split expenses with groups
  • Request payments
  • Secure transactions
  • PIN and biometric protection
Features
Read full description

KEKS Pay je zabavna i jednostavna aplikacija za brzo i sigurno slanje i primanje novca – i to bez ikakvih naknada! Duguješ nekome za ručak? Netko tebi duguje za karte za kino? Besplatno skini KEKS Pay i olakšaj si život. Uživaj u slatkim transakcijama već danas! Svi su dobrodošli Iako je KEKS Pay aplikacija Erste banke, možeš je koristiti neovisno o tome u kojoj banci ti ili tvoji frendovi imate račun bez da pritom plaćaš ikakve naknade za prijenos novca. Stvarno brzo i jednostavno Skini i instaliraj aplikaciju u svega 2 minute, a onda šalji ili zatraži lovu od frendova. Podatke za primanje i slanje love trebaš upisati samo jednom, a od frenda nijednom. Da bi mu poslao lovu, dovoljno je da imaš njegov broj mobitela. Da, dobro si shvatio - nema više zamornog upisivanja dugačkih brojeva i šifri! Podijeli troškove Želiš s frendovima skupiti lovu za rođendanski poklon, ali ne želiš voditi evidenciju plaćanja i boriti se s gotovinom? KEKS Pay je pravo rješenje za tebe! Više ne moraš brinuti jesu li svi platili i vući lovu naokolo. Kreiraj chat grupu, pozovi ekipu da se sve lijepo dogovorite i jednostavno prati uplate putem mobitela. Pozovi frenda Lovu možeš poslati i nekome tko nema KEKS Pay. On će dobiti SMS s uputama za preuzimanje aplikacije, a potom i tvoje uplate, u samo nekoliko klikova. Baš kao što si ti već učinio, i on će upisati IBAN na koji želi primati uplate. U slučaju da ne preuzme aplikaciju u roku od 5 dana, tebi će lova biti pošteno vraćena. Sigurnost prije svega Što se tiče sigurnosti, tu nemaš nikakvog razloga za brigu - brojevi kartica nisu zapisani na mobitelu, sve je kriptirano i spremljeno na zaštićenim serverima do kojih nitko ne može doći (u skladu s regulativom PCI DSS), a aplikacija je zaštićena PIN-om ili biometrijom (otisak prsta i ostale opcije). Kao što vidš, Erste banka misli na sve.

About

m

Manage your finances from anywhere with this comprehensive mobile banking app. Pay bills, transfer money, check balances, apply for loans, and even trade stocks. Secure and user-friendly, it puts financial control in your pocket.

Highlights
  • Pay bills via m-foto pay
  • Transfer money with IziPay
  • Check account balances and transactions
  • Apply for cash and housing loans
  • Trade shares in investment funds
  • Manage credit cards and limits
  • Pay for parking
Features
Read full description

Bez obzira na to gdje se nalazili, m-zaba vam omogućuje potpunu kontrolu nad financijama. m-zabom možete: • plaćati račune putem m-foto plati • uplaćivati na račune u Hrvatskoj i inozemstvu • prenositi novac na najjednostavniji način uslugom IziPay - dovoljno je znati broj telefona primatelja • provjeravati stanja i promete po računima, štednjama i kreditima • dobiti informativni izračun gotovinskog i stambenog kredita • ugovoriti gotovinski kredit, kreditnu karticu, dopušteno prekoračenje • ugovoriti ili promijeniti paket proizvoda i usluga • naknadno podijeliti na rate jednokratne transakcije učinjene Individualnom Mastercard kreditnom karticom ili one po tekućem računu u eurima • pronaći sve informacije o karticama, provjeriti PIN-ove, upravljati dnevnim limitima te blokirati karticu u slučaju gubitka ili krađe • dobivati obavijesti o primljenim uplatama • trgovati udjelima u fondovima ZB Investa i kreirati svoj investicijski plan te ugovarati do pet trajnih naloga istovremeno u različite investicijske fondove • trgovati na svjetskim burzama uz uslugu ZB Trader Global • plaćati parking te uzeti listić s brojem za red u poslovnici. m-zabu ugovorite u poslovnici. SIGURNOST Zagrebačka banka posvećuje posebnu pozornost sigurnosti korisnika mobilnog bankarstva. • PIN kojim se pristupa poznat je samo korisniku, stoga u slučaju krađe ili gubitka mobitela ne može doći do zlouporabe. • Podaci o PIN-u i računima ne pohranjuju se u mobitel, a unos PIN-a zaštićen je varijabilnom tipkovnicom. • Usluge kojima se pristupa PIN-om automatski se blokiraju u slučaju višestrukog uzastopnog unosa netočnog PIN-a. • Nakon tri minute nekorištenja m-zaba će automatski odjaviti korisnika. Regardless of where you are, m-zaba gives you complete control over your finances. With m-zaba you can: • pay bills via m-foto pay • make payments to the accounts in Croatia and abroad • easily transfer money with the IziPay service. Recipient’s phone number is all you need. • check the balances and transfers of accounts, savings, and loans • obtain an informative calculation of cash and housing loan • arrange a cash loan, credit card, contracted overdraft • contract or change a package of products and services • subsequently divide one-time transactions made with an Individual Mastercard credit card or transactions on the current account in euros into instalments • find all card information, check PIN’s, manage daily limits and block the card in the event of loss or theft • receive notifications about received payments • trade shares in ZB Invest funds and create your investment plan and contract up to five standing orders into investment funds • trade on world stock exchanges with the ZB Trader Global service. • pay for parking and take queue number ticket for the queue in the branch office. Arrange m-zaba in a branch. SAFETY Zagrebačka Banka pays special attention to the security of operations performed by mobile banking clients. • PIN used to access the services is only known by the user and therefore there is no threat of abuse if a mobile device is stolen or lost. • PIN and account information are not stored in the mobile device, and the entry of PIN is protected by a variable keypad. • The services that are accessed by entering PIN are automatically blocked if an incorrect PIN is repeatedly entered. • After a 3-minute period of inactivity, m-zaba automatically logs out the user.

Screenshots

KEKS Pay4 screens
m4 screens

Verdict

The call

KEKS Pay and m both sit at 4.8 stars, but that hides the real split: 50% of KEKS Pay's written reviews are positive against 36% of m's. KEKS Pay also leads on update cadence (fortnightly vs monthly). m's advantage is ratings volume (1K vs 117). On price, rating, ads and in-app purchases 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.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.8 for KEKS Pay against 4.8 for m. That said, the two scores are not equally well evidenced: m has 1K ratings behind it against 117, so its average is the more settled of the two. Written reviews are what separate them: 50% of KEKS Pay's written reviews are positive against 36% of m's.

UpkeepUpdate frequency

KEKS Pay ships an update fortnightly, m monthly. The most recent releases landed on September 14, 2026 and September 22, 2026 respectively.

Scorecard3 real differences · 7 level
KEKS Pay versus m: the parameters behind the verdict, then further details
ParameterKEKS Paym
PriceFreeFree
Rating4.8 (117 ratings)4.8 (1K ratings)
Positive reviews50.0% of reviews — better36.0% of reviews
Number of ratings1171K — better
Update frequencyFortnightly — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.615 — better
Further details — not scored
Size286 MB500 MB
Age rating12+4+
DeveloperErste banka HRZagrebačka banka d.d.

Customer experience

KEKS Pay

All ratings117 ratings
Positive95.7%
Neutral0.9%
Negative3.4%
Written reviews6 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

m

All ratings1,001 ratings
Positive94.9%
Neutral1.4%
Negative3.7%
Written reviews25 reviews
Positive36.0%
Neutral12.0%
Negative52.0%

Bugs and requests

KEKS Pay

Not enough reviews yet to summarise bugs or requests.

m

Reported bugs

4 issues
  • Biometry activation bug
  • App not working on iOS 16.3.1
  • App no longer working with new iOS on iPhone 14
  • Blocked after update, new version is terrible

Requested features

4 requests
  • Enable changing dates for previous transactions
  • Add Apple Pay support
  • Improve Face ID/Touch ID integration
  • Allow transferring money between Euro and Kuna accounts

In-app purchases

None

KEKS Pay

No in-app purchases

None

m

No in-app purchases

Questions

Is KEKS Pay free?
KEKS Pay 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, KEKS Pay or m?
KEKS Pay and m are both rated 4.8 out of 5 on the App Store, from 117 and 1K ratings respectively.
Do KEKS Pay or m have ads?
Neither KEKS Pay nor m shows ads.
Which is updated more often, KEKS Pay or m?
KEKS Pay ships an update fortnightly, and m monthly. Most recently, KEKS Pay was updated on September 14, 2026 and m on September 22, 2026.

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