# Point Money vs MICB Token

The clearest difference is rating: MICB Token at 4.7 against Point Money's 3.3. Point Money's advantage is iOS requirement (13.4 vs 16). On price, ratings volume, update cadence and ads there is nothing between them.

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 3.3. Both are backed by a comparable volume of ratings — 6 and 7 respectively.

Both ship on a similar rhythm, roughly every 13 months. The most recent releases landed on October 13, 2026 and October 21, 2026 respectively.

## The numbers

| Metric | Point Money | MICB Token |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.3 (6 ratings)](https://appshunter.io/ios/app/point-money/id524922895/reviews) | **[4.7 (7 ratings)](https://appshunter.io/ios/app/micb-token/id6444040654/reviews)** |
| Number of ratings | 6 | **7** |
| Positive reviews | 95.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 13 months | Every 13 months |
| Monetization | Free | Free |
| Size | 38 MB | 13 MB |
| Requires iOS | **13.4** | 16 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Simpals](https://appshunter.io/developer/407750570) | [BC Moldindconbank S.A.](https://appshunter.io/developer/964768028) |

## What reviewers say

### Point Money

[App page](https://appshunter.io/ios/app/point-money/id524922895)

This app helps users find the best currency exchange rates across banks in Moldova. It allows for currency conversion and locating nearby exchange points.

**Highlights:** Daily currency rates, Bank rate comparison, Currency conversion, Find nearest banks, Exchange office locator

**Features:** macOS Compatibility

**In-app purchases:** none


### MICB Token

[App page](https://appshunter.io/ios/app/micb-token/id6444040654)

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.

**Highlights:** Secure authentication, Transaction authorization, Cross-device mobility, Push notifications, Biometric/PIN login, Online and offline modes

**In-app purchases:** none


## Frequently asked questions

### Is Point Money free?

Point Money is free to download, with no in-app purchases.

### Is MICB Token free?

MICB Token is free to download, with no in-app purchases.

### Which has better reviews, Point Money or MICB Token?

MICB Token is rated higher. Point Money averages 3.3 out of 5 from 6 ratings, while MICB Token averages 4.7 from 7 ratings.

### Do Point Money or MICB Token have ads?

Neither Point Money nor MICB Token shows ads.

### Which is updated more often, Point Money or MICB Token?

Point Money ships an update every 13 months, and MICB Token every 13 months. Most recently, Point Money was updated on October 13, 2026 and MICB Token on October 21, 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.*