# BM Online vs InstaPay Egypt

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.

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.

## The numbers

| Metric | BM Online | InstaPay Egypt |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.2 (2.1K ratings)](https://appshunter.io/ios/app/bm-online/id1462899730/reviews)** | [4.0 (804 ratings)](https://appshunter.io/ios/app/instapay-egypt/id1592108795/reviews) |
| Number of ratings | **2.1K** | 804 |
| Positive reviews | **53.3% of reviews** | 31.8% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | Monthly |
| Monetization | Free | Free |
| Size | 226 MB | 103 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | iPhone, 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 Online

[App page](https://appshunter.io/ios/app/bm-online/id1462899730)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly interface
- 🚀 Efficient banking transactions
- 💡 Innovative features
- 🔒 Secure authentication options
- 🌟 Excellent customer service

**What reviewers complain about**

- 🐛 Frequent crashes and bugs
- ⏱️ Slow response times
- 🔑 Complicated login process
- 💼 Lack of advanced features
- 🔋 High battery consumption

**Reported bugs**

- 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**

- 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

[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 Online free?

BM Online 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 Online or InstaPay Egypt?

BM Online is rated higher. BM Online averages 4.2 out of 5 from 2.1K ratings, while InstaPay Egypt averages 4.0 from 804 ratings.

### Do BM Online or InstaPay Egypt have ads?

Neither BM Online nor InstaPay Egypt shows ads.

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

BM Online ships an update monthly, and InstaPay Egypt monthly. Most recently, BM Online was updated on November 7, 2026 and InstaPay Egypt on November 3, 2026.

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