BM Online vs InstaPay Egypt
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
BM Online
Manage your bank accounts, transfer funds, and handle card services securely from your mobile device. Request services like cheque books, stop cheques, and create new accounts or deposits. Offers a convenient and friendly banking experience.
- Account access and balance inquiry
- Fund transfers (own accounts, BM accounts, local banks)
- Card management and repayment
- Service requests (cheque book, stop cheque, lost card)
- Create term deposits and CASA accounts
- Secure authentication
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BM Online is a full-fledged Mobile Banking solution, designed to offer you a convenient, friendly and secure access to your BM accounts, anytime, anywhere. Features to stay on top of your finances 1. Accounts • Access your accounts anytime • Inquire on your balance • View your mini-statement and your transaction history 2. Transfer Manage your beneficiaries and perform fund transfers securely: • Between your own accounts • To another BM account • To other local bank accounts in EGP • For scheduled payments (standing orders) 3. Cards Manage your BM cards easily by: • Viewing your card details • Reloading your BM prepaid card • Repaying your BM credit card 5. Service Requests • Request for a cheque book • Perform a Stop Cheque • Report a lost card • Create Term Deposit • Create Certificate of Deposit • Create C.A.S.A. Account • Leave Feedback Security Your BM Online offers you a secure and trusted Mobile Banking experience through: • User ID • WAS authentication • Transaction Password 1. Click on the Register button from the Login page. 2. Insert your BM Internet Banking National ID, select Card Type and the enter your card and accept the terms & conditions. 3. Insert your card details like Pin/Expiry. 4. Insert the OTP (One Time Password) that will be sent to you via SMS on your registered mobile number or email address. 5. Key in a valid user id and password and you are now connected to your Bank. Contact us For more information, visit any of our branches or contact us on: Tel: +2019888 Email: Internetandmobilebanking@banquemisr.com Website: www.banquemisr.com
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
BM Online and InstaPay Egypt both sit at 4.2 stars, but that hides the real split: 53% of BM Online's written reviews are positive against 32% of InstaPay Egypt's. On price, rating, ratings volume and update cadence 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.
BM Online holds the better App Store score, 4.2 against 4.0. Both are backed by a comparable volume of ratings — 2.1K and 804 respectively. Written reviews point the same way: 53% of BM Online's written reviews are positive against 32% of InstaPay Egypt's.
Both ship on a similar rhythm, roughly monthly. The most recent releases landed on November 7, 2026 and November 3, 2026 respectively.
| Parameter | BM Online | InstaPay Egypt |
|---|---|---|
| Price | Free | Free |
| Rating | 4.2 (2.1K ratings) — better | 4.0 (804 ratings) |
| Positive reviews | 53.3% of reviews — better | 31.8% of reviews |
| Number of ratings | 2.1K — better | 804 |
| Update frequency | Monthly | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 | 13.0 |
| Further details — not scored | ||
| Size | 226 MB | 103 MB |
| Age rating | 4+ | 4+ |
| Developer | Banque Misr S.A.E | EGYPTIAN BANKS FOR TECHNOLOGICAL ADVANCEMENT |
Customer experience
BM Online
InstaPay Egypt
User reviews
BM Online
From 2.1K App Store ratingsWhat we love
- 👍 User-friendly interface
- 🚀 Efficient banking transactions
- 💡 Innovative features
- 🔒 Secure authentication options
- 🌟 Excellent customer service
Room to improve
- 🐛 Frequent crashes and bugs
- ⏱️ Slow response times
- 🔑 Complicated login process
- 💼 Lack of advanced features
- 🔋 High battery consumption
InstaPay Egypt
From 804 App Store ratingsWhat we love
- 🚀 Fast and efficient
- 👍 User-friendly
- 💡 Innovative idea
- 🇪🇬 Great for Egyptians
Room to improve
- 🐛 Frequent crashes and bugs
- 🔒 Security and accessibility issues
- 🌐 Doesn't work outside Egypt
- 💸 Expensive fees and charges
Bugs and requests
BM Online
Reported bugs
5 issues- App not compatible with latest iOS versions
- Login failures and session timeouts
- Inability to retrieve account information
- Inconsistent performance across devices
- Glitches in money transfer functionality
Requested features
5 requests- Face ID or biometric login support
- Ability to cancel certificates remotely
- Improved transaction details and history
- Seamless integration with other banking services
- Personalized account management tools
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 Online
No in-app purchases
InstaPay Egypt
No in-app purchases







