# m vs OTPgo

The clearest difference is review sentiment: OTPgo at 100% against m's 36%. m's advantage is rating (4.8 vs 3.6) and ratings volume (1.1K vs 16). 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.

m holds the better App Store score, 4.8 against 3.6. That said, the two scores are not equally well evidenced: m has 1.1K 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.

m ships an update every 5 weeks, OTPgo monthly. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | m | OTPgo |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (1.1K ratings)](https://appshunter.io/ios/app/m-zaba/id1436818157/reviews)** | [3.6 (16 ratings)](https://appshunter.io/ios/app/otpgo/id6447007924/reviews) |
| Number of ratings | **1.1K** | 16 |
| Positive reviews | 36.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Monthly** |
| Monetization | **Free** | Ad-supported |
| Size | 511 MB | 198 MB |
| Requires iOS | **15** | 17.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 17+ |
| Developer | [Zagrebačka banka d.d.](https://appshunter.io/developer/1436818156) | [OTP banka d.d.](https://appshunter.io/developer/556850042) |

## 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


### OTPgo

[App page](https://appshunter.io/ios/app/otpgo/id6447007924)

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:** Apple Wallet

**In-app purchases:** none


## Frequently asked 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 1.1K ratings, while OTPgo averages 3.6 from 16 ratings.

### Do m or OTPgo have ads?

Neither m nor OTPgo shows ads.

### Which is updated more often, m or OTPgo?

m ships an update every 5 weeks, and OTPgo monthly. Most recently, m was updated on November 2, 2026 and OTPgo 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.*