BM Soft Token vs InstaPay Egypt
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.
InstaPay Egypt
Instantly send and receive money 24/7 through your mobile phone. Link your bank accounts and Meeza prepaid cards to transfer funds securely to any bank account, mobile wallet, or electronic card. Check balances, view mini-statements, and pay bills with ease.
- Instant money sending and receiving
- Link bank accounts and Meeza cards
- Send via mobile number or Instant Payment Address
- Balance inquiry and mini-statement
- Bill payment service
- Secure transactions via Instant Payment Network
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Welcome to InstaPay! InstaPay enables you to send and receive money instantly 24x7 in a fast, secure and easy way through your mobile phone. How does it work? - Onboard your Bank Accounts & Meeza Prepaid Cards The first step is to ensure that your mobile number is linked and registered to your account at your bank. The second step is to ensure having a valid debit card for your bank accounts. To onboard Meeza Prepaid cards you can use the prepaid card number. Select your bank and follow the registration process from the app. For step by step registration guide please visit our website https://www.instapay.eg For Supported banks please visit our website https://www.instapay.eg - Send and Receive Money Instantly Send & Receive money using mobile number or Instant Payment Address in seconds safely and securely. Send money to your friends and family from your accounts to any Bank account, Mobile wallet or electronic Cards. For more information please visit our website https://www.instapay.eg - Balance Inquiry and Mini-statement Check your account balance and view the last 10 transactions on your linked accounts. - Bill Payment Service Pay all your bills from different billers. - Your Safety and Security All your transaction is done through the secured Instant Payment Network, and all your information and data are handled by licensed banks under the Central Bank of Egypt Regulations.
Screenshots
Verdict
The clearest difference is rating: InstaPay Egypt at 4.0 against BM Soft Token's 1.8. InstaPay Egypt also leads on update cadence (monthly vs every 14 months) and review sentiment (32% vs 5%). On price, ads, in-app purchases and monetization model 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.
InstaPay Egypt holds the better App Store score, 4.0 against 1.8. That said, the two scores are not equally well evidenced: InstaPay Egypt has 804 ratings behind it against 73, so its average is the more settled of the two. Written reviews point the same way: 5% of BM Soft Token's written reviews are positive against 32% of InstaPay Egypt's.
BM Soft Token ships an update every 14 months, InstaPay Egypt monthly. Both last shipped on October 22, 2026.
| Parameter | BM Soft Token | InstaPay Egypt |
|---|---|---|
| Price | Free | Free |
| Rating | 1.8 (73 ratings) | 4.0 (804 ratings) — better |
| Positive reviews | 5.1% of reviews | 31.8% of reviews — better |
| Number of ratings | 73 | 804 — better |
| 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 | 13.0 |
| Further details — not scored | ||
| Size | 7 MB | 103 MB |
| Age rating | 4+ | 4+ |
| Developer | Banque Misr S.A.E | EGYPTIAN BANKS FOR TECHNOLOGICAL ADVANCEMENT |
Customer experience
BM Soft Token
InstaPay Egypt
Bugs and requests
BM Soft Token
Not enough reviews yet to summarise bugs or requests.
InstaPay Egypt
Reported bugs
4 issues- Login and account management problems
- Compatibility issues with newer iOS versions
- Transactions not working or getting stuck
- Device binding and verification failures
Requested features
4 requests- Add more banks and payment options
- Improve customer support and communication
- Allow usage outside Egypt
- Enhance accessibility for disabled users
In-app purchases
BM Soft Token
No in-app purchases
InstaPay Egypt
No in-app purchases
