Comparison

Mobile Banking UniCredit vs m

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

Head to head
About

Mobile Banking UniCredit

Manage your finances securely and conveniently from your smartphone. View accounts, make transfers, pay bills, and track expenses. You can even open a new account and use biometric login for added security.

Highlights
  • View account balances and transactions
  • Make SEPA and extra SEPA transfers
  • Pay bills and top-up cards
  • Track and organize expenses
  • Biometric login and transaction authorization
  • Find nearby ATMs and branches
  • Open new accounts via smartphone
Features
Read full description

With the UniCredit Mobile Banking App and your smartphone, making transactions is easy, fast and secure. To use the App you must have a UniCredit current account and/or a rechargeable card with IBAN, sign up for the Banca Multicanale Service, download and activate the App. You can activate the App: - by Smartphone: press "Activate", enter your Banca Multicanale Codice di Adesione and PIN and press proceed. - by Banca via Internet: enter your Codice di adesione and PIN, then a one-time password generated by your device, go to "Settings" > "Mobile" > "Smartphone Application" and press proceed. From the new Home Page you can check the relationships linked to the Multi-Channel Banking Service (current accounts, cards, mortgages and loans, securities portfolio and investments), make transactions and monitor your expenses at your convenience. In the Current Accounts section you view all your current accounts and transactions (also with the 'Search' function), share IBAN details and manage your account. In the Cards section you have control of all your UniCredit cards (Credit, Debit, Rechargeable) and can easily manage all available features. With Personal Fainancial Manager and Budget organize your expenses has never been easier. Go to your personal area to upload a new profile photo, read notices and messages from the Bank, access Online Documents, read help and F.A.Q. pages or contact the Bank by telephone or chat. There is also a dedicated Payments section for: - SEPA transfers, extra SEPA transfers, fund transfers - mobile phone and UniCredit prepaid card top-ups - Simplified F24 - pre-printed postal bills, CBILL/PagoPA, blank slips and MAV, RAV, REP payments Find out how to: - set up cash withdrawals on UniCredit ATMs with Prelievo Smart - find the nearest Branch and/or Automatic Teller Machine (ATM) and the route to reach them - generate one-time passwords with Mobile Token - book an appointment at the branch through the UBook function If your Smartphone features a biometric-based recognition technologies, you can access the App and authorise transactions with these recognition tools. For assistance and information visit www.unicredit.it or call UniCredit Customer Service at the toll-free number 800.57.57 (for customers of UniCredit Private Banking branches: 800.710.710). Not a UniCredit Customer? Call the toll-free number 800.32.32.85 or go to www.unicredit.it With the UniCredit Mobile Banking App you can apply to open a UniCredit account using your Smartphone and even identify yourself with a selfie! The UniCredit current account can be requested from Mobile only by Italian residents who are not already holders of a UniCredit current account, card with IBAN and Banca Multicanale and entail signing contracts for the account, the Banca Multicanale Service and the International Debit Card. With this app you can also access information and services at any time not only at the physical UniCredit Branch, but also at the Buddy Branch. Advertising message for promotional purposes. Info and costs in the information documents in the Transparency section at www.unicredit.it Products and Services sold by UniCredit SpA. Accessibility statement: https://unicredit.it/accessibilita-app

About

m

Manage your finances on the go with this mobile banking app. Check balances, pay bills, transfer funds, and manage cards. It offers secure login, contactless payments, and budgeting tools for complete financial oversight.

Highlights
  • Account balance and transaction overview
  • Bill payments
  • International payments
  • Card management and limits
  • Contactless payments with Apple Pay
  • Biometric login
  • Personal finance manager
Features
Read full description

BH: Sa mobilnim bankarstvom (m-ba) upravljajte svojim računima kada god poželite. m-ba je brza, jednostavna i praktična usluga UniCredit Bank d.d. Mostar koja Vam omogućava potpuni nadzor nad vlastitim novcem: - Pregled stanja i prometa svih Vaših računa i računa po kojima ste opunomoćeni - Plaćanje režija i drugih računa - Mogućnost slanja naloga ino platnog prometa - Ugovaranje trajnih naloga - Prijenos sredstava između Vaših računa - Pregled troškova i limita po karticama - Podjela transakcija na rate nastalih kreditnim karticama - Upravljanje sigurnosnim dnevnim limitima - Apple Pay – beskontaktno plaćanje telefonom na POS terminalima - Aktiviranje novih i reizdanih kartica - 3DS autorizacija web kartičnih transakcija putem m-ba ili m-token aplikacije - Pregled PIN koda za debitne i kreditne kartice - Ugovaranje i plaćanje e-uplatnica - Dokumenti u m-ba - Prijava u aplikaciju pomoću biometrije - Upravljanje budžetom i troškovima - Brza provjera računa bez prijave u m-ba - Pregled kontakata u Banci... m-token je aplikacija koja služi za identifikaciju korisnika i potvrdu izvršavanja transakcija putem usluge Internet bankarstvo (e-ba). m-ba i m-token aplikaciju možete ugovoriti u najbližoj poslovnici UniCredit Bank d.d. Mostar. EN: Mobile banking (m-ba app) enables you to manage your accounts wherever you want. m-ba is simple, fast and user-friendly mobile service of UniCredit Bank d.d. Mostar, which provides you with the full oversight of your personal finances: - Checking account balances and list of transactions for all your accounts, including accounts which you are authorised to operate - Payment of utility bills and other invoices - Foreign exchange within your accounts - International payments processing - Standing orders contracting - Credit card installments - Card limits management - Apple Pay – contactless payment by phone at POS terminals - Card activation - 3DS authorize card transactions with m-ba or m-token app - Card PIN view - Set-up and payment of e-bills - Documents in m-ba - Application login with biometrics authentication - Personal finance manager - Fast check account balance using widget option - Bank contact details… m-token is an application which serves for client identification and transaction verification via Internet banking (e-ba). Apply for m-ba and m-token services at all UniCredit Bank d.d. Mostar branches.

Screenshots

Mobile Banking UniCredit4 screens
m4 screens

Verdict

The call

The clearest difference is update cadence: Mobile Banking UniCredit at monthly against m's every 3 months. On price, rating, review sentiment and ratings volume 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.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.7 for Mobile Banking UniCredit against 4.8 for m. Both are backed by a comparable volume of ratings — 3.2K and 1.2K respectively. Written reviews split almost evenly too, at 45% and 45% positive.

UpkeepUpdate frequency

Mobile Banking UniCredit ships an update monthly, m every 3 months. Both last shipped on October 26, 2026.

Scorecard1 real difference · 9 level
Mobile Banking UniCredit versus m: the parameters behind the verdict, then further details
ParameterMobile Banking UniCreditm
PriceFreeFree
Rating4.7 (3.2K ratings)4.8 (1.2K ratings) — better
Positive reviews44.8% of reviews45.2% of reviews — better
Number of ratings3.2K — better1.2K
Update frequencyMonthly — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPod
Requires iOS16.015.0 — better
Further details — not scored
Size381 MB453 MB
Age rating4+4+
DeveloperUniCreditUniCredit Bank d.d. (BiH)

Customer experience

Mobile Banking UniCredit

All ratings3,163 ratings
Positive92.7%
Neutral2.6%
Negative4.7%
Written reviews154 reviews
Positive44.8%
Neutral7.8%
Negative47.4%

m

All ratings1,199 ratings
Positive94.4%
Neutral2.5%
Negative3.1%
Written reviews42 reviews
Positive45.2%
Neutral14.3%
Negative40.5%

User reviews

Mobile Banking UniCredit

From 3.2K App Store ratings

What we love

  • 🚀 Easy to use
  • 👍 Straightforward app design
  • 🚀 Fast and responsive
  • 🚀 Convenient banking features
  • 👍 Reliable banking services

Room to improve

  • 🐛 Frequent crashes and technical issues
  • 🔒 Overly complex security measures
  • 🤯 Confusing and illogical UI
  • 🤔 Lack of clarity on PIN requirements
  • 🤬 Poor customer service and support

m

From 1.2K App Store ratings

What we love

  • 👍 Excellent app
  • 👍 Functional and simple
  • 👍 Best mobile banking app in BiH
  • 👍 Great app, works well
  • 👍 Improved with each update

Room to improve

  • 🐛 Inaccurate transaction confirmations
  • 🐛 Inconsistent app behavior across devices
  • 🐛 Outdated and confusing UI
  • 🐛 Slow app performance
  • 🐛 Unreliable account balance information

Bugs and requests

Mobile Banking UniCredit

Reported bugs

4 issues
  • Login and activation issues
  • Inability to update contact information
  • Incompatibility with older devices
  • Unreliable payment and transfer features

Requested features

5 requests
  • Improve app stability and reliability
  • Streamline security processes
  • Enhance UI/UX for better usability
  • Provide clear instructions on PIN usage
  • Improve customer support and communication

m

Reported bugs

3 issues
  • App crashes on iPhone 8+
  • NFC payments not working
  • Widget functionality lost

Requested features

5 requests
  • Add Apple Pay support
  • Implement dark theme
  • Improve transaction categorization
  • Introduce 24/7 fund transfers
  • Provide an easily accessible exchange rate list

In-app purchases

None

Mobile Banking UniCredit

No in-app purchases

None

m

No in-app purchases

Questions

Is Mobile Banking UniCredit free?
Mobile Banking UniCredit is free to download, with no in-app purchases.
Is m free?
m is free to download, with no in-app purchases.
Which has better reviews, Mobile Banking UniCredit or m?
m is rated higher. Mobile Banking UniCredit averages 4.7 out of 5 from 3.2K ratings, while m averages 4.8 from 1.2K ratings.
Do Mobile Banking UniCredit or m have ads?
Neither Mobile Banking UniCredit nor m shows ads.
Which is updated more often, Mobile Banking UniCredit or m?
Mobile Banking UniCredit ships an update monthly, and m every 3 months. Most recently, Mobile Banking UniCredit was updated on October 26, 2026 and m on October 26, 2026.

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