Comparison

LAQO vs POBAgo

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

POBAgo

Features
Read full description

Feel the freedom and simplicity of handling your finances on the go. POBAgo allows you to: - manage personal and business accounts in one app - check the balance, traffic and details of accounts - give payment orders for domestic and foreign payments and internal transfers - pay bills easily using the Scan and pay option - communicate with the Bank through the virtual inbox - buy and sell foreign currencies - activate standing orders - transfer funds from POBArate limit into your transaction account (eCash) - transfer funds from Mastercard limit into your transaction account - check cards traffic and details - request PIN for an existing card - split Mastercard credit card transactions into installments - activate your card - temporarily block and unblock your card, as well as cancel it - activate Aktiviraj sitniš (Spare change) - change your card delivery address - change card limits for ATM cash withdrawal, EFTPOS payments and internet payments - login and authorize payments using biometric data (fingerprint or face recognition) - check selected account balance without logging into the application (Quick balance) - download and share pdf receipts and statements - assign nicknames to individual accounts Security measures: You can access the application by entering the PIN known only to you or using biometric data. The application is locked due to inactivity and requires you to log in again. In case of repeated wrong PIN entries, the application is deactivated due to security reasons and needs to be reactivated.

Screenshots

LAQO4 screens
POBAgo4 screens

Verdict

The call

The clearest difference is update cadence: LAQO at monthly against POBAgo's every 3 months. On price, ads, in-app purchases and device support 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, POBAgo every 3 months. The most recent releases landed on October 12, 2026 and October 11, 2026 respectively.

Scorecard1 real difference · 8 level
LAQO versus POBAgo: the parameters behind the verdict, then further details
ParameterLAQOPOBAgo
PriceFreeFree
Rating4.9 (8 ratings) — better—
Number of ratings8 — better—
Update frequencyMonthly — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhoneiPhone, iPod — better
Requires iOS16.015.0 — better
Further details — not scored
Size141 MB77 MB
Age rating4+4+
DeveloperCroatia osiguranje d.d.Podravska banka d.d.

In-app purchases

None

LAQO

No in-app purchases

None

POBAgo

No in-app purchases

Questions

Is LAQO free?
LAQO is free to download, with no in-app purchases.
Is POBAgo free?
POBAgo is free to download, with no in-app purchases.
Do LAQO or POBAgo have ads?
Neither LAQO nor POBAgo shows ads.
Which is updated more often, LAQO or POBAgo?
LAQO ships an update monthly, and POBAgo every 3 months. Most recently, LAQO was updated on October 12, 2026 and POBAgo on October 11, 2026.

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