# LAQO vs PBZ mToken

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.

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

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

## The numbers

| Metric | LAQO | PBZ mToken |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (8 ratings)](https://appshunter.io/ios/app/laqo/id1533078353/reviews)** | — |
| Number of ratings | **8** | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 19 months |
| Monetization | Free | — |
| Size | 141 MB | 24 MB |
| Requires iOS | 16.0 | **10.0** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [Croatia osiguranje d.d.](https://appshunter.io/developer/1465721957) | [Privredna banka Zagreb d.d.](https://appshunter.io/developer/883505649) |

## What reviewers say

### LAQO

[App page](https://appshunter.io/ios/app/laqo/id1533078353)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### PBZ mToken

[App page](https://appshunter.io/ios/app/pbz-mtoken/id6477774137)

**Features:** macOS Compatibility

**In-app purchases:** none


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