# M36 vs Opticom Finance

The clearest difference is review sentiment: M36 at 60% against Opticom Finance's 0%. M36 also leads on update cadence (every 5 weeks vs every 11 months). Opticom Finance's advantage is monetization model (free vs ad-supported) and iOS requirement (12.0 vs 16.3). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

M36 ships an update every 5 weeks, Opticom Finance every 11 months. The most recent releases landed on October 12, 2026 and October 14, 2026 respectively.

## The numbers

| Metric | M36 | Opticom Finance |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.0 (7 ratings)](https://appshunter.io/ios/app/m36/id1473487545/reviews)** | — |
| Number of ratings | **7** | — |
| Positive reviews | **60.0% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 weeks** | Every 11 months |
| Monetization | Ad-supported | **Free** |
| Size | 210 MB | 64 MB |
| Requires iOS | 16.3 | **12.0** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 17+ | 17+ |
| Developer | [Union Bank of Nigeria Plc](https://appshunter.io/developer/950990898) | [Opticom Finance Limited](https://appshunter.io/developer/1654906833) |

## What reviewers say

### M36

[App page](https://appshunter.io/ios/app/m36/id1473487545)

Manage your wealth and investments with personalized online products and services. Access loans, travel allowances, and estate planning. Offers a 24/7 digital concierge and investment advisors.

**Highlights:** Personalized investment products, Digital concierge service 24/7, Investment advisors, Loans and asset-backed financing, Estate planning services, Wealth management by invitation

**Features:** Vision Pro support

**In-app purchases:** none


### Opticom Finance

[App page](https://appshunter.io/ios/app/opticom-finance/id6444484132)

Manage your finances, save, and grow your money. Securely pay bills, purchase airtime, and apply for loans with flexible repayment terms. Get quick access to funds without lengthy processes.

**Highlights:** Save and grow finances, Purchase airtime, Pay provider bills, Apply for loans, Flexible loan repayment, Collateral-free loans

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is M36 free?

M36 is free to download, with no in-app purchases.

### Is Opticom Finance free?

Opticom Finance is free to download, with no in-app purchases.

### Do M36 or Opticom Finance have ads?

Neither M36 nor Opticom Finance shows ads.

### Which is updated more often, M36 or Opticom Finance?

M36 ships an update every 5 weeks, and Opticom Finance every 11 months. Most recently, M36 was updated on October 12, 2026 and Opticom Finance on October 14, 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.*