Comparison

m vs mHPB

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

Head to head
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.

About

mHPB

This mobile application provides comprehensive banking services for individuals and businesses. It allows users to manage accounts, make payments, view card transactions, and access various financial tools. The app also offers secure mobile token functionality and direct communication with bank staff.

Highlights
  • Account management
  • Payment processing
  • Card transaction overview
  • Mobile token service
  • Secure login with PIN/biometrics
  • Direct communication with bank
Features
Read full description

mHPB je mobilna aplikacija koja korisnicima nudi: • Uslugu mobilnog bankarstva za fizičke osobe i poslovne subjekte • Uslugu mobilnog tokena (mTokena) za fizičke osobe i poslovne subjekte • Servise i alate • Registraciju korisnika za eGotovinu MOBILNO BANKARSTVO ZA FIZIČKE OSOBE OMOGUĆAVA • Uvid u stanje, promet i detalje računa • Zadavanje svih vrsta platnih naloga • Pregled kartica i akcije po karticama • Kreiranje koda za podizanje gotovog novca bez kartice • ePoslovnicu – izravna komunikacija s djelatnikom Banke • Mogućnost kupovine GSM i ENC bonova • Ugovaranje eRačuna • Izdavanje, zamjenu i otkup udjela u HPB Investu • Zaprimanje obavijesti i notifikacija MOBILNO BANKARSTVO ZA POSLOVNE SUBJEKTE OMOGUĆAVA • Uvid u stanje, promet i detalje računa • Zadavanje svih vrsta platnih naloga • Pregled kartica i akcije po karticama • Pregled i preuzimanje izvoda • Pregled i preuzimanje naknada • Zaprimanje obavijesti i notifikacija Sigurnosne mjere mHPB aplikacija je sigurna i jednostavna za korištenje s instaliranim visokosigurnosnim softverom koji omogućuje bezbrižnost prilikom pristupa i rada u mBanking i mToken aplikacijama. Pristup nije moguć bez unosa PIN-a koji je poznat samo korisniku i/ili korištenjem odabrane metode biometrije. Uzastopnim pogrešnim unosom PIN-a te u slučaju neaktivnosti, aplikacija se zaključava iz sigurnosnih razloga i zahtjeva novu prijavu.

Screenshots

m4 screens
mHPB4 screens

Verdict

The call

The clearest difference is rating: m at 4.8 against mHPB's 4.6. m also leads on ratings volume (1.1K vs 145). On price, review sentiment, update cadence and ads 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

m holds the better App Store score, 4.8 against 4.6. That said, the two scores are not equally well evidenced: m has 1.1K ratings behind it against 145, so its average is the more settled of the two. Written reviews complicate that: 36% of m's written reviews are positive against 38% of mHPB's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

m ships an update every 5 weeks, mHPB every 6 weeks. Both last shipped on October 20, 2026.

Scorecard2 real differences · 8 level
m versus mHPB: the parameters behind the verdict, then further details
ParametermmHPB
PriceFreeFree
Rating4.8 (1.1K ratings) — better4.6 (145 ratings)
Positive reviews36.0% of reviews38.5% of reviews — better
Number of ratings1.1K — better145
Update frequencyEvery 5 weeks — betterEvery 6 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPod — betteriPhone
Requires iOS15 — better16.4
Further details — not scored
Size511 MB220 MB
Age rating4+4+
DeveloperZagrebačka banka d.d.HPB d.d.

Customer experience

m

All ratings1,056 ratings
Positive95.0%
Neutral1.1%
Negative3.9%
Written reviews25 reviews
Positive36.0%
Neutral12.0%
Negative52.0%

mHPB

All ratings145 ratings
Positive89.7%
Neutral2.8%
Negative7.6%
Written reviews13 reviews
Positive38.5%
Neutral0.0%
Negative61.5%

Bugs and 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

mHPB

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

m

No in-app purchases

None

mHPB

No in-app purchases

Questions

Is m free?
m is free to download, with no in-app purchases.
Is mHPB free?
mHPB is free to download, with no in-app purchases.
Which has better reviews, m or mHPB?
m is rated higher. m averages 4.8 out of 5 from 1.1K ratings, while mHPB averages 4.6 from 145 ratings.
Do m or mHPB have ads?
Neither m nor mHPB shows ads.
Which is updated more often, m or mHPB?
m ships an update every 5 weeks, and mHPB every 6 weeks. Most recently, m was updated on October 20, 2026 and mHPB on October 20, 2026.

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