Comparison

DSK mToken vs Postbank

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

Head to head
About

DSK mToken

This app allows users to securely confirm banking transactions and service requests for online and mobile banking. It supports various requests like opening accounts, issuing cards, and activating online payment passwords. The application can be used offline and is available on multiple devices.

Highlights
  • Confirm banking transactions
  • Approve service requests
  • Supports online banking
  • Supports mobile banking
  • Offline functionality
  • Install on multiple devices
Features
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DSK mToken (мобилен тоукън) е мобилно приложение за потвърждаване на банкови трансакции и заявки в интернет банкирането ДСК Директ за индивидуални клиенти и в мобилното банкиране DSK Smart. DSK mToken може да се инсталира на едно или повече мобилни устройства и е напълно безплатна. Основни функции на приложението: - потвърждаване на преводи в мобилното банкиране DSK Smart и интернет банкирането ДСК Директ; - потвърждаване на заявки за различни услуги в ДСК Директ - откриване на сметки, издаване и преиздаване на банкови карти, подписване на съгласия за директен дебит, активиране на 3D парола за онлайн плащания при търговци и други. *Мобилното приложение DSK mToken може да бъде използвано за подписване и без интернет свързаност. DSK mToken (mobile token) is a mobile application for confirmation of banking transactions and requests ordered via the internet banking DSK Direct for private individuals and the mobile banking DSK Smart. DSK mToken can be installed on more than one mobile device and it is completely free. Basic features: Confirmation of money transfers ordered via the internet banking DSK Direct and the mobile banking DSK Smart; Confirmation of requests for different services in DSK Direct - accounts opening, issuing and reissuing of bank cards, direct debit, activation of 3D password for online payments with merchants and others. *DSK mToken mobile app can be used without cellular data or Wi-Fi connection (offline mode).

About

Postbank

Manage your bank accounts, make instant P2P transfers by mobile number, and pay bills. Access all your financial products, personalize your profile, and enjoy secure, convenient banking on the go.

Highlights
  • P2P transfers by mobile number
  • View all accounts, loans, and cards
  • Personalize profile
  • Worldwide and instant EUR transfers
  • Pay utility bills and taxes
  • Open new accounts and deposits
  • Secure login with PIN or biometrics
Features
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Какви са предимствата на Postbank: · Нов бърз достъп до услуги. С един тап от начален екран отвaряш секцията за сметки, кредити или депозити и извършиш желаната операция. · blink P2P преводи по мобилен номер - изпращай и получавай пари за секунди. Услугата вече е на първа позиция в „Бързи действия“ на началния екран. · Информация за всички продукти и услуги, които използваш в Postbank или за които са ти предоставени права сметки, депозити, кредити, дебитни и кредитни карти. · Персонализaция на профила като добавиш своя профилна снимка. · Преводи към цял свят, погасяване на кредити и плащане към институции. · Незабавни преводи в евро към банки в ЕИП. · Откриване на сметки и депозити. · Плащане на битови сметки и местни данъци. · Blink parking - плащане за паркиране в „синя“ и „зелена“ зона в 25 населени места. · Създаване на списък с доверени получатели без допълнително потвърждение. · Запазване на шаблони за регулярни преводи. · Вход с ПИН или биометрия. За да потвърждаваш преводи към сметки в други банки или към трети лица е необходимо да инсталираш и активираш приложението m-Token Postbank. Това е софтуерен токън, който отговаря на регулаторните изисквания за удостоверяване идентичността на потребителя и за потвърждаване съгласието му за изпълнение на електронни дистанционни платежни и неплатежни операции. Повече информация и Общи условия за услугата електронно банково обслужване „Интернет банкиране" на Postbank можеш да намериш на www.postbank.bg. За съдействие при въпроси, свързани с Postbank App, можеш да се свържеш денонощно с нас на кратък номер *7224 или на +35928166000 за клиенти извън България, както и чрез Дигиталния ни асистент EVA. Декларация за достъпност: https://www.postbank.bg/Accessibility_Statement Advantages of Postbank: · New quick access to services. With a single tap from the home screen, you can open the accounts, loans, or deposits section and perform the desired action. · blink P2P transfers via mobile number - send and receive money in seconds. The service is now positioned first in the “Quick Actions” section on the home screen. · Information about all products and services you use at Postbank or for which you have been granted access - accounts, deposits, loans, debit and credit cards. · Profile personalization by adding your profile picture. · Transfers worldwide, loan repayments, and payments to institutions. · Instant EUR transfers to banks within the EEA. · Opening accounts and deposits. · Payment of utility bills and local taxes. · Blink parking - pay for parking in “blue” and “green” zones in 25 municipalities. · Creation of a list of trusted recipients without additional confirmation. · Saving templates for regular transfers. · Login with PIN or biometrics. To confirm transfers to accounts in other banks or to third parties, you need to install and activate the m-Token Postbank App. This is a software token that complies with regulatory requirements for user authentication and confirmation of consent for executing electronic remote payment and non-payment operations. More information and the General Terms and Conditions for the electronic banking service Internet Banking of Postbank can be found at www.postbank.bg. For assistance with questions related to the Postbank App, you can contact us 24/7 at the short number *7224 or at +359 2 816 6000 for customers outside Bulgaria, as well as via our digital assistant EVA. Accessibility Declaration: https://www.postbank.bg/en/Accessibility_Statement

Screenshots

DSK mToken4 screens
Postbank4 screens

Verdict

The call

The clearest difference is review sentiment: Postbank at 82% against DSK mToken's 13%. Postbank also leads on rating (4.9 vs 1.0) and update cadence (every 3 weeks vs every 19 months). DSK mToken's advantage is iOS requirement (13.0 vs 15.6). On price, ads, in-app purchases and monetization model 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

Postbank holds the better App Store score, 4.9 against 1.0. That said, the two scores are not equally well evidenced: Postbank has 163 ratings behind it against 7, so its average is the more settled of the two. Written reviews point the same way: 13% of DSK mToken's written reviews are positive against 82% of Postbank's.

UpkeepUpdate frequency

DSK mToken ships an update every 19 months, Postbank every 3 weeks. The most recent releases landed on October 24, 2026 and October 30, 2026 respectively.

Scorecard5 real differences · 5 level
DSK mToken versus Postbank: the parameters behind the verdict, then further details
ParameterDSK mTokenPostbank
PriceFreeFree
Rating1.0 (7 ratings)4.9 (163 ratings) — better
Positive reviews13.5% of reviews82.1% of reviews — better
Number of ratings7163 — better
Update frequencyEvery 19 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.0 — better15.6
Further details — not scored
Size21 MB304 MB
Age rating4+4+
DeveloperDSK Bank PLCEurobank Bulgaria AD

Customer experience

DSK mToken

All ratings5 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews52 reviews
Positive13.5%
Neutral0.0%
Negative86.5%

Postbank

All ratings161 ratings
Positive98.1%
Neutral1.9%
Negative0.0%
Written reviews78 reviews
Positive82.1%
Neutral7.7%
Negative10.3%

Bugs and requests

DSK mToken

Not enough reviews yet to summarise bugs or requests.

Postbank

Reported bugs

3 issues
  • Login issues and inability to access accounts
  • Transactions not visible in real-time
  • Incompatibility with newer iOS versions

Requested features

5 requests
  • Ability to exchange reward points through the app
  • Recurring payment option
  • Financial planning and budgeting tools
  • Dark mode option
  • Improved digital assistant functionality

In-app purchases

None

DSK mToken

No in-app purchases

None

Postbank

No in-app purchases

Questions

Is DSK mToken free?
DSK mToken is free to download, with no in-app purchases.
Is Postbank free?
Postbank is free to download, with no in-app purchases.
Which has better reviews, DSK mToken or Postbank?
Postbank is rated higher. DSK mToken averages 1.0 out of 5 from 7 ratings, while Postbank averages 4.9 from 163 ratings.
Do DSK mToken or Postbank have ads?
Neither DSK mToken nor Postbank shows ads.
Which is updated more often, DSK mToken or Postbank?
DSK mToken ships an update every 19 months, and Postbank every 3 weeks. Most recently, DSK mToken was updated on October 24, 2026 and Postbank on October 30, 2026.

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