Comparison

Spar Key vs CMIplus Go

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

Head to head
About

Spar Key

Features
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Sparkasse Bank Malta plc has released an Authentication Application that has removed the need for a physical token to be used when accessing and transacting on your account(s) using the Bank’s Online Banking System. Spar Key enables a more secure and efficient environment for Sparkasse Bank Malta plc’s clients throughout the following processes: β€’ Logging-in into the Bank’s Online Banking System; β€’ Authorising the release of Payment Instructions; and β€’ Authorising the release of Securities related orders. Spar Key has been developed in compliance with the requirements on Strong Customer Authentication stemming from β€˜the EU’s Payment Services Directive II (PSD II)’.

About

CMIplus Go

Read full description

CMIplus Go – simple and secure for your daily banking and transaction signing. CMIplus Go provides you all features you need for your efficient daily banking, including a comprehensive overview of your transactions. Stay updated on your account anytime, anywhere, and use the flexibility of mobile transaction authorization for an efficient banking experience. For further information please contact your RBI Cash Management.

Screenshots

Spar Key4 screens
CMIplus Go4 screens

Verdict

The call

Spar Key and CMIplus Go are too close to call on the numbers: across 6 compared parameters β€” price, update cadence, ads and in-app purchases among them β€” neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS

CostPrice Β· In-app purchases Β· Ads Β· Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Spar Key ships an update every 16 months, CMIplus Go every 11 months. The most recent releases landed on November 2, 2026 and October 30, 2026 respectively.

ScorecardNo meaningful differences
Spar Key versus CMIplus Go: the parameters behind the verdict, then further details
ParameterSpar KeyCMIplus Go
PriceFreeFree
Update frequencyEvery 16 monthsEvery 11 months β€” better
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPad, iPod β€” betteriPhone, iPad
Requires iOS15.0 β€” better16.0
Further details β€” not scored
Size40 MB37 MB
Age rating4+4+
DeveloperSparkasse Bank Malta plcRaiffeisen Bank International AG

In-app purchases

None

Spar Key

No in-app purchases

None

CMIplus Go

No in-app purchases

Questions

Is Spar Key free?
Spar Key is free to download, with no in-app purchases.
Is CMIplus Go free?
CMIplus Go is free to download, with no in-app purchases.
Do Spar Key or CMIplus Go have ads?
Neither Spar Key nor CMIplus Go shows ads.
Which is updated more often, Spar Key or CMIplus Go?
Spar Key ships an update every 16 months, and CMIplus Go every 11 months. Most recently, Spar Key was updated on November 2, 2026 and CMIplus Go on October 30, 2026.

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