# m vs Genius by InterCapital

The clearest difference is monetization model: m at free against Genius by InterCapital's free with in-app purchases. m also leads on ratings volume (1.1K vs 2). Genius by InterCapital's advantage is rating (5.0 vs 4.8). 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.

Genius by InterCapital holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: m has 1.1K ratings behind it against 2, so its average is the more settled of the two.

m ships an update every 5 weeks, Genius by InterCapital every 4 weeks. The most recent releases landed on November 6, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | m | Genius by InterCapital |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (1.1K ratings)](https://appshunter.io/ios/app/m-zaba/id1436818157/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/genius-by-intercapital/id1499823028/reviews)** |
| Number of ratings | **1.1K** | 2 |
| Positive reviews | 36.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Every 4 weeks** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 511 MB | 144 MB |
| Requires iOS | 15 | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Zagrebačka banka d.d.](https://appshunter.io/developer/1436818156) | [InterCapital Asset Management](https://appshunter.io/developer/1499823027) |

## What reviewers say

### m

[App page](https://appshunter.io/ios/app/m-zaba/id1436818157)

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:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Excellent service
- 👍 Easy to use credit cards
- 👍 Simple and easy
- 👍 Bills paid in seconds
- 👍 Excellent service

**What reviewers complain about**

- 🐛 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
- 🐛 Outdated, unintuitive, and cluttered UI

**Reported bugs**

- 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**

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


### Genius by InterCapital

[App page](https://appshunter.io/ios/app/genius-by-intercapital/id1499823028)

This app offers a simple and flexible way to invest long-term in global and regional ETFs. It provides diversified ETF portfolios, options for smart cash management, and ETF savings plans. Ideal for both beginners and experienced investors.

**Highlights:** Diversified ETF portfolios, ETF savings plans, Smart cash management, Investment in gold via ETF, User-tailored risk tolerance, Low minimum investment

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is m free?

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

### Is Genius by InterCapital free?

Genius by InterCapital is free to download, with no in-app purchases.

### Which has better reviews, m or Genius by InterCapital?

Genius by InterCapital is rated higher. m averages 4.8 out of 5 from 1.1K ratings, while Genius by InterCapital averages 5.0 from 2 ratings.

### Do m or Genius by InterCapital have ads?

Neither m nor Genius by InterCapital shows ads.

### Which is updated more often, m or Genius by InterCapital?

m ships an update every 5 weeks, and Genius by InterCapital every 4 weeks. Most recently, m was updated on November 6, 2026 and Genius by InterCapital on November 3, 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.*