Fagura vs MICB Token
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Fagura
This platform facilitates simple loans and smart investments, aiming to evolve into a community digital bank. It provides investors with 24/7 access to information on interest earned and portfolio status, making investment management convenient.
- Simple loans
- Smart investments
- Community digital bank
- 24/7 portfolio information
- Interest earned tracking
- Account creation
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Fagura is an alternative investment platform for simple loans and smart investments that aims to become a community digital bank. The product was launched in 2019 on www.fagura.com and has intermediated investment over 2.3 million Euros. For 3 years, Fagura offered investors interest worth over 350,000 Euros. The first version of the Fagura app offers even more convenience to investors. They now have an always-on tool at their fingertips, to create an account and make investments just a few clicks away. The application provides 24/7 information about the interest paid and the status of the portfolio.
MICB Token
Securely authenticate and authorize banking transactions from any device. This app offers mobility and eliminates device dependency for business customers, providing a seamless user experience with push notifications and biometric or PIN authorization.
- Secure authentication
- Transaction authorization
- Cross-device mobility
- Push notifications
- Biometric/PIN login
- Online and offline modes
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The MICB Token allows easy and secure authentication in our MICB Business system and authorization of your banking transactions anywhere and anytime. It provides mobility to the customers and eliminates dependency on a single device. The MICB Token mobile app is the most secure and easiest way to authenticate and authorize. To use the MICB Token app, you need to download it, install it on a mobile device (phone or tablet) and configure it. The app works with a login PIN or you can use biometrics. BC "Moldindconbank" S.A. offers its customers (legal entities) a new authentication and authorization method, which provides users with a seamless user experience through push notifications and secure authorization through biometrics, facial recognition or PIN. The authorization of transactions in the MICB Business is easier and more secure with a simple tap. The MICB Token application works in two modes: Online - when a log-in or electronic transaction is initiated, you will receive a notification of confirmation on your device. Offline - you can confirm your authentication in the MICB Business banking and the authorization of the electronic transactions, even when your device is not connected to the internet, by using the QR code scanning option displayed on the MICB Business system screen. The application will generate a code that you need to enter in the "OTP code" field in internet banking.
Screenshots
Verdict
The clearest difference is update cadence: Fagura at fortnightly against MICB Token's every 13 months. MICB Token's advantage is rating (4.7 vs 4.4). On price, ratings volume, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
MICB Token holds the better App Store score, 4.7 against 4.4. Both are backed by a comparable volume of ratings — 5 and 7 respectively.
Fagura ships an update fortnightly, MICB Token every 13 months. The most recent releases landed on October 5, 2026 and October 21, 2026 respectively.
| Parameter | Fagura | MICB Token |
|---|---|---|
| Price | Free | Free |
| Rating | 4.4 (5 ratings) | 4.7 (7 ratings) — better |
| Positive reviews | 75.0% of reviews | — |
| Number of ratings | 5 | 7 — better |
| Update frequency | Fortnightly — better | Every 13 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.6 — better | 16 |
| Further details — not scored | ||
| Size | 118 MB | 13 MB |
| Age rating | 17+ | 4+ |
| Developer | Fagura | BC Moldindconbank S.A. |
Customer experience
Fagura
MICB Token
In-app purchases
Fagura
No in-app purchases
MICB Token
No in-app purchases









