BM Soft Token vs AAIB Mobile
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
BM Soft Token
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.
- Generate One-Time Passwords (OTPs)
- Secure online banking authorization
- No physical token required
- Offline functionality after activation
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BM Soft Token is a secured solution for generating One Time Password (OTP) needed to securely authorize the online banking transactions without the need to carry a physical token device. Once you download the application, you will activate it then then no internet access is required to use the application after its activation.
AAIB Mobile
Manage your bank accounts, cards, and investments conveniently from your mobile device. Perform transfers, pay bills, and open new accounts or certificates of deposit instantly, all from anywhere.
- Account balance and transaction history
- Card management and activation
- Fund transfers between accounts and to other banks
- Bill payments and credit card settlements
- Instant sub-account and certificate of deposit opening
- Scheduled payments and standing instructions
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With AAIB’s new and evolving mobile application, you can now avoid errands to the bank and easily get all your banking done at home, in the office or anywhere else, at your convenience. AAIB has developed a simple experience for you to maneuver between your bank accounts and products, as well as pay and exchange money on the go. To login: • If you have online banking, you may login using your online banking credentials • If not, simply follow the steps on the login page to register as a new user Logged in? You can now… Inquire: • Check your accounts and cards’ balance & review transaction history • View & share your account details • Check loan details, payment dates and instalment amounts • Check your investment details (Time deposits, Certificates of deposit, Mutual funds and Treasury bills & bonds) Manage: • Activate & block debit & credit cards • Manage settings of debit & credit cards, online payments, payments abroad, POS purchases and ATM payments • Add and manage beneficiaries for transfers • Schedule your future payments & transfers and set standing instructions for them • Manage profile settings Transact & Pay: • Transfer between own accounts instantly • Transfer to any AAIB customer using mobile number • Transfer to any bank account in Egypt in EGP • Perform Bill Payment to various billers, mobile operators, utilities, and charity payments • Settle your credit card payments • Open a new sub account instantly with any currency • Book a new Certificate of deposit instantly Note: For security purposes, you will need to get an OTP (“One time Password”) with payments & transfers to beneficiary. To get the token, download AAIB Token App.
Screenshots
Verdict
The clearest difference is rating: AAIB Mobile at 3.7 against BM Soft Token's 1.8. AAIB Mobile also leads on update cadence (monthly vs every 14 months) and review sentiment (25% vs 5%). BM Soft Token's advantage is iOS requirement (13.0 vs 15.1). On price, ratings volume, ads and in-app purchases 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
AAIB Mobile holds the better App Store score, 3.7 against 1.8. Both are backed by a comparable volume of ratings — 68 and 38 respectively. Written reviews point the same way: 5% of BM Soft Token's written reviews are positive against 25% of AAIB Mobile's.
BM Soft Token ships an update every 14 months, AAIB Mobile monthly. The most recent releases landed on August 15, 2026 and September 22, 2026 respectively.
| Parameter | BM Soft Token | AAIB Mobile |
|---|---|---|
| Price | Free | Free |
| Rating | 1.8 (68 ratings) | 3.7 (38 ratings) — better |
| Positive reviews | 5.1% of reviews | 25.0% of reviews — better |
| Number of ratings | 68 — better | 38 |
| Update frequency | Every 14 months | Monthly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 13.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 7 MB | 134 MB |
| Age rating | 4+ | 4+ |
| Developer | Banque Misr S.A.E | AAIB |
Customer experience
BM Soft Token
AAIB Mobile
In-app purchases
BM Soft Token
No in-app purchases
AAIB Mobile
No in-app purchases







