# NCB Smart OTP vs MIS

The clearest difference is update cadence: MIS at every 8 days against NCB Smart OTP's every 18 months. MIS also leads on iOS requirement (10.0 vs 12.0). 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.

NCB Smart OTP ships an update every 18 months, MIS every 8 days. Both last shipped on November 7, 2026.

## The numbers

| Metric | NCB Smart OTP | MIS |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 18 months | **Every 8 days** |
| Size | 20 MB | 29 MB |
| Requires iOS | 12.0 | **10.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [National Citizen Bank](https://appshunter.io/developer/1255731263) | [Sungroup](https://appshunter.io/developer/1450602596) |

## What reviewers say

### NCB Smart OTP

[App page](https://appshunter.io/ios/app/ncb-smart-otp/id1511450778)

**Features:** Vision Pro support

**In-app purchases:** none


### MIS

[App page](https://appshunter.io/ios/app/mis-sgr/id1561721323)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is NCB Smart OTP free?

NCB Smart OTP is free to download, with no in-app purchases.

### Is MIS free?

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

### Do NCB Smart OTP or MIS have ads?

Neither NCB Smart OTP nor MIS shows ads.

### Which is updated more often, NCB Smart OTP or MIS?

NCB Smart OTP ships an update every 18 months, and MIS every 8 days. Most recently, NCB Smart OTP was updated on November 7, 2026 and MIS on November 7, 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.*