BM Soft Token vs CIB Mobile Banking App
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
Read full descriptionHide full description
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.
CIB Mobile Banking App
A redesigned mobile banking application offering an intuitive, user-friendly, and secure platform. Manage accounts, cards, investments, and payments with enhanced functionality and seamless navigation. Save time and gain control over your finances anytime, anywhere.
- Intuitive and modern interface
- Biometric login (fingerprint/face-ID)
- Comprehensive account management
- Full card control and activation
- Seamless money transfers (domestic & international)
- Bill and charity payments
- Investment portfolio management
Read full descriptionHide full description
The CIB Mobile Banking app just got even better and has been completely redesigned to offer a more intuitive, user-friendly, and secure banking experience! Here's what's new: **Sleek and Modern Design: Enjoy a fresh and intuitive interface for easy navigation of your finances. ** Enhanced Functionality: Access all your banking needs in one place, from managing Accounts, Cards, Investments, and Payments to Transfers. * Seamless Navigation: Find what you need quickly with streamlined menus and intuitive navigation. ** Benefits: * Save Time: Manage your finances on the go, anytime, anywhere. * Simplify Banking: Enjoy a more convenient and efficient way to bank. * Gain Control: Take charge of your finances with easy-to-use tools and features. ** Features & Services: * Easy Login: Use biometrics (fingerprint or face-ID) for quick access. * Account Management: Open Accounts, view balances, accounts’ statements, transactions, and product details. * Card Management: More control over your card management online, replace and stop cards, and activate cards. * Credit Card Management: View credit cards’ balance, credit left to use, details, and transactions, and manage direct debit. * Transfers: Instant money transfer inside Egypt, Transfer money within and outside Egypt, settle credit cards, and schedule one-time or recurring transfers. * Payments: Bill & Charity payments. * Products: Apply for credit cards, overdrafts, and loans. * Investment: Manage your investment portfolio online, Buy/Sell Funds, Certificates/Time Deposits. ** Additional Services: Quick Cash, view statements, subscribe to e-statements, request chequebooks, locate branches/ATMs, currency converter, and more. Download the CIB Mobile Banking app to manage all your banking needs conveniently in one place. Optimized for use with iOS 16.0 or later.
Screenshots
Verdict
The clearest difference is rating: CIB Mobile Banking App at 3.1 against BM Soft Token's 1.8. CIB Mobile Banking App also leads on review sentiment (39% vs 5%) and update cadence (monthly vs every 14 months). BM Soft Token's advantage is iOS requirement (13.0 vs 16). 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.
CIB Mobile Banking App holds the better App Store score, 3.1 against 1.8. Both are backed by a comparable volume of ratings — 68 and 122 respectively. Written reviews point the same way: 5% of BM Soft Token's written reviews are positive against 39% of CIB Mobile Banking App's.
BM Soft Token ships an update every 14 months, CIB Mobile Banking App monthly. The most recent releases landed on August 15, 2026 and September 23, 2026 respectively.
| Parameter | BM Soft Token | CIB Mobile Banking App |
|---|---|---|
| Price | Free | Free |
| Rating | 1.8 (68 ratings) | 3.1 (122 ratings) — better |
| Positive reviews | 5.1% of reviews | 39.1% of reviews — better |
| Number of ratings | 68 | 122 — 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 — better | 16 |
| Further details — not scored | ||
| Size | 7 MB | 57 MB |
| Age rating | 4+ | 4+ |
| Developer | Banque Misr S.A.E | Commercial International Bank (Egypt) S.A.E |
Customer experience
BM Soft Token
CIB Mobile Banking App
Bugs and requests
BM Soft Token
Not enough reviews yet to summarise bugs or requests.
CIB Mobile Banking App
Reported bugs
2 issues- App not working for users with developer mode enabled
- Inability to scroll or interact with home page
Requested features
3 requests- Allow login with biometrics (FaceID, fingerprint)
- Eliminate mandatory password changes every 6 months
- Integrate bonus program within the app
In-app purchases
BM Soft Token
No in-app purchases
CIB Mobile Banking App
No in-app purchases
