# BM Soft Token vs InstaPay Egypt

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.

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.

## The numbers

| Metric | BM Soft Token | InstaPay Egypt |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.8 (73 ratings)](https://appshunter.io/ios/app/bm-soft-token/id1459372710/reviews) | **[4.0 (804 ratings)](https://appshunter.io/ios/app/instapay-egypt/id1592108795/reviews)** |
| Number of ratings | 73 | **804** |
| Positive reviews | 5.1% of reviews | **31.8% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 14 months | **Monthly** |
| Monetization | Free | Free |
| Size | 7 MB | 103 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Banque Misr S.A.E](https://appshunter.io/developer/1198210183) | [EGYPTIAN BANKS FOR TECHNOLOGICAL ADVANCEMENT](https://appshunter.io/developer/1350104042) |

## 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 Egypt

[App page](https://appshunter.io/ios/app/instapay-egypt/id1592108795)

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.

**Highlights:** 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

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and efficient
- 👍 User-friendly
- 💡 Innovative idea
- 🇪🇬 Great for Egyptians

**What reviewers complain about**

- 🐛 Frequent crashes and bugs
- 🔒 Security and accessibility issues
- 🌐 Doesn't work outside Egypt
- 💸 Expensive fees and charges

**Reported bugs**

- Login and account management problems
- Compatibility issues with newer iOS versions
- Transactions not working or getting stuck
- Device binding and verification failures

**Requested features**

- Add more banks and payment options
- Improve customer support and communication
- Allow usage outside Egypt
- Enhance accessibility for disabled users


## Frequently asked questions

### Is BM Soft Token free?

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

### Is InstaPay Egypt free?

InstaPay Egypt is free to download, with no in-app purchases.

### Which has better reviews, BM Soft Token or InstaPay Egypt?

InstaPay Egypt is rated higher. BM Soft Token averages 1.8 out of 5 from 73 ratings, while InstaPay Egypt averages 4.0 from 804 ratings.

### Do BM Soft Token or InstaPay Egypt have ads?

Neither BM Soft Token nor InstaPay Egypt shows ads.

### Which is updated more often, BM Soft Token or InstaPay Egypt?

BM Soft Token ships an update every 14 months, and InstaPay Egypt monthly. Most recently, BM Soft Token was updated on October 22, 2026 and InstaPay Egypt on October 22, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*