Comparison

m vs OTPgo

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

OTPgo

Manage your banking needs on the go with this app. Check balances, make payments, view product details, and access loyalty programs. It simplifies digital banking with features like QR code sharing and payment templates.

Highlights
  • Account balance and turnover checks
  • Product details for loans, savings, credit cards
  • Intra-bank and inter-bank payments
  • Foreign account payments
  • Payment order templates
  • Foreign currency exchange
  • Mobile top-up and prepaid card transfers
Features
Read full description

We believe that digital banking should be as simple as ABC. Download the application and experience banking made easy, whenever and wherever. In OTPgo application you can find our product catalogue and the list of locations of our branches and ATMs. Here are only some of the options and transactions available to you with OTPgo application: • Check your account balance at any time • Check your account turnover • Check the details of any products contracted with the bank such as loans, savings or credit cards • Make intra-bank and inter-bank payments • Make payments to foreign accounts – new transaction • Create payment order templates for frequent payments, so as to make them even easier • Buy or sell foreign currency using your foreign currency accounts • Top up mobile phone • Make a simple transfer of funds to your prepaid card(s) • Make various transfers and payments towards your loan, to your saving account or credit card • Join the OTP Round Up donation scheme and view all your donations • Join the OTPrize loyalty scheme and have access to it at all times • Share your account information via QR code

Screenshots

m4 screens
OTPgo4 screens

Verdict

The call

The clearest difference is review sentiment: OTPgo at 100% against m's 36%. m's advantage is rating (4.8 vs 3.9) and ads (none vs shown). On price, update cadence, in-app purchases and device support 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 3.9. That said, the two scores are not equally well evidenced: m has 1K ratings behind it against 16, so its average is the more settled of the two. Written reviews complicate that: 36% of m's written reviews are positive against 100% of OTPgo's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly monthly. The most recent releases landed on September 22, 2026 and August 4, 2026 respectively.

Scorecard5 real differences · 5 level
m versus OTPgo: the parameters behind the verdict, then further details
ParametermOTPgo
PriceFreeFree
Rating4.8 (1K ratings) — better3.9 (16 ratings)
Positive reviews36.0% of reviews100.0% of reviews — better
Number of ratings1K — better16
Update frequencyMonthlyMonthly
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPodiPhone, iPod
Requires iOS1515.0
Further details — not scored
Size500 MB195 MB
Age rating4+17+
DeveloperZagrebačka banka d.d.OTP banka d.d.

Customer experience

m

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

OTPgo

All ratings11 ratings
Positive54.5%
Neutral18.2%
Negative27.3%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

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

OTPgo

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

m

No in-app purchases

None

OTPgo

No in-app purchases

Questions

Is m free?
m is free to download, with no in-app purchases.
Is OTPgo free?
OTPgo is free to download, with no in-app purchases.
Which has better reviews, m or OTPgo?
m is rated higher. m averages 4.8 out of 5 from 1K ratings, while OTPgo averages 3.9 from 16 ratings.
Do m or OTPgo have ads?
OTPgo shows ads; m does not.
Which is updated more often, m or OTPgo?
m ships an update monthly, and OTPgo monthly. Most recently, m was updated on September 22, 2026 and OTPgo on August 4, 2026.

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