Comparison

LAQO vs PBZ mToken

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

Head to head
About

LAQO

Manage all your insurance policies digitally, from vehicle and travel to pet and home. Easily file claims, renew policies with a single click, and benefit from usage-based discounts. Participate in programs that reward responsible driving and secure your property.

Highlights
  • Digital policy management
  • Easy claim filing
  • One-click policy renewal
  • Usage-based discounts
  • Responsible driving rewards
  • Travel insurance
  • Pet insurance
  • Home insurance
Features
Read full description

LAQO, prvo 100% digitalno osiguranje vozila u Hrvatskoj, ima i svoju mobilnu aplikaciju. Treba ti polica osiguranja? Dogodila se nezgoda? Prijavljuješ štetu? S LAQO aplikacijom iskustvo osiguranja postaje još jednostavnije i bolje. Sve na jednome mjestu ∙ Napokon možeš zaboraviti na papire i kopanje po pretincima. Sve police, informacije i važne dokumente sad imaš na jednome mjestu. Najlakša prijava štete ∙ Bilo da si LAQO osiguranik bilo da ti je LAQO osiguranik skrivio nezgodu, najjednostavniji je način za prijavu štete putem LAQO aplikacije. Obnova police jednim klikom ∙ Više ne moraš gubiti vrijeme na obnovu osiguranja. S LAQO aplikacijom sve riješiš u tren oka. Do nove police dolaziš jednim klikom! Manje voziš, manje plaćaš ∙ Što manje kilometara napraviš u jednoj godini, veći ti je popust koji možeš iskoristiti pri obnovi LAQO obveznog osiguranja. Uključi se u program Manje voziš, manje plaćaš putem aplikacije i ostvari do 10% popusta. LaqoPrevent ∙ Uključi se u LaqoPrevent program i pridruži nam se u promicanju odgovornog ponašanja u prometu jer najbolje LAQO vozače nagrađujemo vrijednim nagradama. Prati svoj napredak kroz serije, trendove i top listu, i osvoji nagradu ako si među najboljima u vožnji. Putno osiguranje • Putovanja su uzbudljiva jer su nepredvidljiva. Zato, prije no što kreneš, treba se i osigurati. Putno možeš ugovoriti u nekoliko klikova, dok čekaš taksi za aerodrom. Uz to, izaberi do čak pet dodatnih opcija i putuj bezbrižno. Osiguranje kućnih ljubimaca • U samo par klikova osiguraj svog psa ili mačku od bolesti i nezgoda. Sve rješavaš digitalno – bez stresa, bez papirologije. Uz Osnovno osiguranje, možeš odabrati jednu od tri dodatne opcije za bezbrižnu igru. Osiguranje imovine • Osiguraj svoj dom u slučaju požara, udar munje, oluja, tuča, poplava i druge nezgode koje mogu oštetiti tvoje zidove, podove, krov ili instalacije. Tvoj dom zaslužuje sigurnost – iznutra i izvana.

About

PBZ mToken

Features
Read full description

PBZ mToken is a mobile app used for authentication and authorisation processes when using the following online services: • PBZCOM@NET – Internet Banking for corporate clients • e-Salary (e-Plaće) – the payment of wages, salaries and other remuneration into employees’ accounts • PBZ Digital Banking – Internet Banking for retail clients • 3D Secure – payment verification for online shopping • e-Citizens (e-Građani) – access to the e-Citizens portal Safety first The use of the PBZ mToken app is completely secure and certified according to the ISO 27001:2005 standard. The PBZ mToken is opened using a PIN known only to the user, which is not saved to your phone guaranteeing the maximum security. If the phone is stolen and somebody else attempts to access online services by entering incorrect data during registration, user authorisation is blocked, adding another layer of protection against unwanted access. Simple activation After installation, PBZ mToken needs to be activated by entering activation codes. You can request the activation codes in any PBZ branch office. If you use PBZ mToken for business purposes, you can request new activation codes at the Sinergo Desk or by contacting your Client Relations Manager. After entering the activation codes, you must now choose your PIN. When choosing the PIN, a PIN association is created consisting of the name of a country and an image of the country’s flag. The purpose of the PIN association is to assist users when opening the PBZ mToken by reminding them of the PIN they chose when activating the app if the app is used offline.

Screenshots

LAQO4 screens
PBZ mToken4 screens

Verdict

The call

The clearest difference is update cadence: LAQO at monthly against PBZ mToken's every 19 months. PBZ mToken's advantage is device support (3 vs 1) and iOS requirement (10.0 vs 16.0). On price, 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.

UpkeepUpdate frequency

LAQO ships an update monthly, PBZ mToken every 19 months. The most recent releases landed on November 3, 2026 and October 25, 2026 respectively.

Scorecard3 real differences · 6 level
LAQO versus PBZ mToken: the parameters behind the verdict, then further details
ParameterLAQOPBZ mToken
PriceFreeFree
Rating4.9 (8 ratings) — better—
Number of ratings8 — better—
Update frequencyMonthly — betterEvery 19 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS16.010.0 — better
Further details — not scored
Size141 MB24 MB
Age rating4+17+
DeveloperCroatia osiguranje d.d.Privredna banka Zagreb d.d.

In-app purchases

None

LAQO

No in-app purchases

None

PBZ mToken

No in-app purchases

Questions

Is LAQO free?
LAQO is free to download, with no in-app purchases.
Is PBZ mToken free?
PBZ mToken is free to download, with no in-app purchases.
Do LAQO or PBZ mToken have ads?
Neither LAQO nor PBZ mToken shows ads.
Which is updated more often, LAQO or PBZ mToken?
LAQO ships an update monthly, and PBZ mToken every 19 months. Most recently, LAQO was updated on November 3, 2026 and PBZ mToken on October 25, 2026.

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