# BM Soft Token vs Instapay eWallet

The clearest difference is review sentiment: Instapay eWallet at 56% against BM Soft Token's 5%. Instapay eWallet also leads on rating (4.4 vs 1.8) and update cadence (monthly vs every 14 months). BM Soft Token's advantage is ads (none vs shown) and monetization model (free vs ad-supported). On price, in-app purchases and device support there is nothing between them.

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

Instapay eWallet holds the better App Store score, 4.4 against 1.8. Both are backed by a comparable volume of ratings — 73 and 21 respectively. Written reviews point the same way: 5% of BM Soft Token's written reviews are positive against 56% of Instapay eWallet's.

BM Soft Token ships an update every 14 months, Instapay eWallet monthly. The most recent releases landed on October 22, 2026 and October 28, 2026 respectively.

## The numbers

| Metric | BM Soft Token | Instapay eWallet |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.8 (73 ratings)](https://appshunter.io/ios/app/bm-soft-token/id1459372710/reviews) | **[4.4 (21 ratings)](https://appshunter.io/ios/app/instapay-ewallet/id1490543422/reviews)** |
| Number of ratings | **73** | 21 |
| Positive reviews | 5.1% of reviews | **56.3% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 14 months | **Monthly** |
| Monetization | **Free** | Ad-supported |
| Size | 7 MB | 58 MB |
| Requires iOS | **13.0** | 16 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Banque Misr S.A.E](https://appshunter.io/developer/1198210183) | [INSTAPAY TECHNOLOGIES SDN BHD](https://appshunter.io/developer/1490543421) |

## What reviewers say

### BM Soft Token

[App page](https://appshunter.io/ios/app/bm-soft-token/id1459372710)

Generate One-Time Passwords (OTPs) for secure online banking transactions. This app eliminates the need for a physical token device and works offline after initial activation.

**Highlights:** Generate One-Time Passwords (OTPs), Secure online banking authorization, No physical token required, Offline functionality after activation

**Features:** macOS Compatibility

**In-app purchases:** none


### Instapay eWallet

[App page](https://appshunter.io/ios/app/instapay-ewallet/id1490543422)

Manage your finances with a digital account and a linked global Mastercard. Easily receive salaries, send remittances, load funds, withdraw cash, and make purchases worldwide. All transactions are tracked for your convenience.

**Highlights:** Digital account management, Linked global Mastercard, Salary reception, Cross-border remittances, ATM cash withdrawals, Global purchases, P2P money transfers, QR code payments

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

**In-app purchases:** none


## Frequently asked questions

### Is BM Soft Token free?

BM Soft Token is free to download, with no in-app purchases.

### Is Instapay eWallet free?

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

### Which has better reviews, BM Soft Token or Instapay eWallet?

Instapay eWallet is rated higher. BM Soft Token averages 1.8 out of 5 from 73 ratings, while Instapay eWallet averages 4.4 from 21 ratings.

### Do BM Soft Token or Instapay eWallet have ads?

Instapay eWallet shows ads; BM Soft Token does not.

### Which is updated more often, BM Soft Token or Instapay eWallet?

BM Soft Token ships an update every 14 months, and Instapay eWallet monthly. Most recently, BM Soft Token was updated on October 22, 2026 and Instapay eWallet on October 28, 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.*