M vs Fello
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
M
This e-money application facilitates cashless transactions and is licensed by Bank Indonesia. It offers features for purchasing mobile credit, electricity tokens, paying bills, and transferring funds to other accounts or banks. QRIS transactions are also supported for easy payments.
- Cashless transactions
- Mobile credit and electricity token purchases
- Bill payments
- Fund transfers to M-Bayar and bank accounts
- QRIS payments
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M-Bayar adalah aplikasi E-Money yang memudahkan anda melakukan transaksi secara non-tunai dan telah memiliki lisensi dari Bank Indonesia. Dengan berbagai macam fitur yang M-Bayar sediakan, anda tidak perlu khawatir lagi jika bepergian namun lupa membawa uang tunai. Fitur yang tersedia saat ini adalah: - m-Deals, memudahkan anda untuk melakukan pembelian pulsa nomor seluler, token listrik dan sebagainya. - m-Bills, membayar tagihan akan hanya butuh beberapa klik. - m-Transfer, Transfer ke Sesama Akun M-Bayar dan Transfer ke Rekening Bank kapanpun dan dimanapun - QRIS, memudahkan anda untuk melakukan transaksi kapanpun dan dimanapun Fitur yang akan hadir: - m-Shop, berbagai produk yang ditawarkan oleh mitra M-Bayar yang bisa anda beli menggunakan fitur ini. - m-Promo, berbagai promo-promo menarik dapat dinikmati khusus untuk anda. - m-Edu, pembayaran pendidikan anak dan keluarga anda, kini bisa dilakukan kapan pun dan dimana pun. - m-Services, seluruh transaksi akan lebih mudah untuk dikelola dan dimonitor, cukup menggunakan satu aplikasi M-Bayar. ---
Fello
This app provides server-based electronic money for various transactions including bill payments, fund transfers, and online purchases. Users can top up their balance through multiple banks and purchase services like mobile credit and electricity tokens.
- Electronic money services
- Bill payment transactions
- Fund transfers
- Online purchases
- Credit and electricity token purchases
- Cash withdrawal
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Hi, welcome to Fello E-Money! Fello is server-based electronic money that can be used to make payments for biller/merchant transactions, transfer funds, withdraw cash, and pay transactions (e-commerce) online. Transfer between members (free Fello members) Top up balance Through Bank Mandiri and other Banks Purchase - Purchase Credit (cheapest than others!) - PLN Electricity Token Bill Payment Transactions - Narobil - Health BPJS - Postpaid PLN and Non Taglis - Telkom - Prepaid - PDAM Cash withdrawal And we will continue to update for the latest features for your convenience. Thank you for joining Fello E-Emoney
Screenshots
Verdict
M and Fello are too close to call on the numbers: across 7 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Both ship on a similar rhythm, roughly every 3 months. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.
| Parameter | M | Fello |
|---|---|---|
| Price | Free | Free |
| Rating | — | 5.0 (2 ratings) — better |
| Positive reviews | 33.3% of reviews | — |
| Number of ratings | — | 2 — better |
| Update frequency | Every 3 months | Every 3 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad |
| Requires iOS | 15.6 — better | 16.6 |
| Further details — not scored | ||
| Size | 66 MB | 154 MB |
| Age rating | 4+ | 4+ |
| Developer | PT. E2Pay Global Utama | PT. Jatelindo Perkasa Abadi |
Customer experience
M
Fello
In-app purchases
M
No in-app purchases
Fello
No in-app purchases
