Comparison

mHPB vs OTPgo

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

mHPB

This mobile application provides comprehensive banking services for individuals and businesses. It allows users to manage accounts, make payments, view card transactions, and access various financial tools. The app also offers secure mobile token functionality and direct communication with bank staff.

Highlights
  • Account management
  • Payment processing
  • Card transaction overview
  • Mobile token service
  • Secure login with PIN/biometrics
  • Direct communication with bank
Features
Read full description

mHPB je mobilna aplikacija koja korisnicima nudi: • Uslugu mobilnog bankarstva za fizičke osobe i poslovne subjekte • Uslugu mobilnog tokena (mTokena) za fizičke osobe i poslovne subjekte • Servise i alate • Registraciju korisnika za eGotovinu MOBILNO BANKARSTVO ZA FIZIČKE OSOBE OMOGUĆAVA • Uvid u stanje, promet i detalje računa • Zadavanje svih vrsta platnih naloga • Pregled kartica i akcije po karticama • Kreiranje koda za podizanje gotovog novca bez kartice • ePoslovnicu – izravna komunikacija s djelatnikom Banke • Mogućnost kupovine GSM i ENC bonova • Ugovaranje eRačuna • Izdavanje, zamjenu i otkup udjela u HPB Investu • Zaprimanje obavijesti i notifikacija MOBILNO BANKARSTVO ZA POSLOVNE SUBJEKTE OMOGUĆAVA • Uvid u stanje, promet i detalje računa • Zadavanje svih vrsta platnih naloga • Pregled kartica i akcije po karticama • Pregled i preuzimanje izvoda • Pregled i preuzimanje naknada • Zaprimanje obavijesti i notifikacija Sigurnosne mjere mHPB aplikacija je sigurna i jednostavna za korištenje s instaliranim visokosigurnosnim softverom koji omogućuje bezbrižnost prilikom pristupa i rada u mBanking i mToken aplikacijama. Pristup nije moguć bez unosa PIN-a koji je poznat samo korisniku i/ili korištenjem odabrane metode biometrije. Uzastopnim pogrešnim unosom PIN-a te u slučaju neaktivnosti, aplikacija se zaključava iz sigurnosnih razloga i zahtjeva novu prijavu.

About

OTPgo

Manage your banking needs on the go with this app. Check balances, make payments, view product details, and access loyalty programs. It simplifies digital banking with features like QR code sharing and payment templates.

Highlights
  • Account balance and turnover checks
  • Product details for loans, savings, credit cards
  • Intra-bank and inter-bank payments
  • Foreign account payments
  • Payment order templates
  • Foreign currency exchange
  • Mobile top-up and prepaid card transfers
Features
Read full description

We believe that digital banking should be as simple as ABC. Download the application and experience banking made easy, whenever and wherever. In OTPgo application you can find our product catalogue and the list of locations of our branches and ATMs. Here are only some of the options and transactions available to you with OTPgo application: • Check your account balance at any time • Check your account turnover • Check the details of any products contracted with the bank such as loans, savings or credit cards • Make intra-bank and inter-bank payments • Make payments to foreign accounts – new transaction • Create payment order templates for frequent payments, so as to make them even easier • Buy or sell foreign currency using your foreign currency accounts • Top up mobile phone • Make a simple transfer of funds to your prepaid card(s) • Make various transfers and payments towards your loan, to your saving account or credit card • Join the OTP Round Up donation scheme and view all your donations • Join the OTPrize loyalty scheme and have access to it at all times • Share your account information via QR code

Screenshots

mHPB4 screens
OTPgo4 screens

Verdict

The call

The clearest difference is review sentiment: OTPgo at 100% against mHPB's 38%. mHPB's advantage is rating (4.6 vs 3.6) and monetization model (free vs ad-supported). On price, update cadence, 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

mHPB holds the better App Store score, 4.6 against 3.6. That said, the two scores are not equally well evidenced: mHPB has 145 ratings behind it against 16, so its average is the more settled of the two. Written reviews complicate that: 38% of mHPB's written reviews are positive against 100% of OTPgo's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

mHPB ships an update every 6 weeks, OTPgo monthly. The most recent releases landed on October 20, 2026 and October 15, 2026 respectively.

Scorecard4 real differences · 6 level
mHPB versus OTPgo: the parameters behind the verdict, then further details
ParametermHPBOTPgo
PriceFreeFree
Rating4.6 (145 ratings) — better3.6 (16 ratings)
Positive reviews38.5% of reviews100.0% of reviews — better
Number of ratings145 — better16
Update frequencyEvery 6 weeksMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhoneiPhone, iPod — better
Requires iOS16.415.0 — better
Further details — not scored
Size220 MB196 MB
Age rating4+17+
DeveloperHPB d.d.OTP banka d.d.

Customer experience

mHPB

All ratings145 ratings
Positive89.7%
Neutral2.8%
Negative7.6%
Written reviews13 reviews
Positive38.5%
Neutral0.0%
Negative61.5%

OTPgo

All ratings16 ratings
Positive62.5%
Neutral12.5%
Negative25.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

mHPB

No in-app purchases

None

OTPgo

No in-app purchases

Questions

Is mHPB free?
mHPB is free to download, with no in-app purchases.
Is OTPgo free?
OTPgo is free to download, with no in-app purchases.
Which has better reviews, mHPB or OTPgo?
mHPB is rated higher. mHPB averages 4.6 out of 5 from 145 ratings, while OTPgo averages 3.6 from 16 ratings.
Do mHPB or OTPgo have ads?
Neither mHPB nor OTPgo shows ads.
Which is updated more often, mHPB or OTPgo?
mHPB ships an update every 6 weeks, and OTPgo monthly. Most recently, mHPB was updated on October 20, 2026 and OTPgo on October 15, 2026.

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