Mi_Pass vs Toki
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Mi_Pass
Securely authorize banking operations from your smartphone. This app provides a fast, simple, and safe way to validate your identity and approve transactions through your bank's digital channels. Enjoy peace of mind with industry-leading security standards.
- Secure operation authorization
- Smartphone identity validation
- High industry security standards
- Remote transaction approval
- Simple registration process
- 6-digit authorization code
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Mi Pass, la forma más rápida, simple y segura de autorizar operaciones desde tu Smartphone, utilizando los canales digitales del Banco de Chile. Mediante un seguro proceso de registro, la APP valida tu identidad y desde entonces podrás utilizar tu smartphone para autorizar operaciones desde cualquier lugar solo con tu smartphone. La App Mi Pass cuenta con lo más altos estándares de seguridad de la industria bancaria, en el manejo de información, en la forma de autorizar operaciones y en el protocolo de seguridad para validar identidad. En caso que tu teléfono sea robado o lo pierdas, sólo debes bloquear el dispositivo llamando a Banca Telefónica o al registrarte en tu nuevo teléfono, automáticamente queda eliminado el registro anterior. Descarga la APP Mi Pass y regístrate por única vez, crea una clave de 6 dígitos para autorizar tus operaciones y/o activar tus aplicaciones móviles. Mi Pass se puede utilizar con las aplicaciones del Banco de Chile y Banco Edwards | Citi.
Toki
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Take control of your money without sacrificing your lifestyle. Toki is the ultimate tool for those seeking financial clarity that is fast, simple, and commitment-free. Based on the highly effective 50/30/20 method, Toki takes the boredom out of budgeting. Why is Toki different? • Lightning-Fast Logging: Time is money. Log your expenses and income in just a few taps—no endless menus or confusing screens. • Smart Goals: Want to upgrade your camera gear or plan your next mountain expedition? Create a goal, and Toki will calculate the exact monthly contribution to fit your budget stress-free. • Automatic 50/30/20 Method: Know exactly where your money goes. Toki intelligently divides your finances into Needs, Wants, and Savings. • Subscription Manager: Say goodbye to surprise charges. Visualize all your recurring payments and take full control of your monthly bills. • Pay Once, Own Forever: Forget about monthly subscriptions. Toki is yours for a one-time lifetime payment. No hidden fees, no fine print. Download Toki today and transform your relationship with money.
Screenshots
Verdict
The clearest difference is in-app purchases: Mi_Pass at none against Toki's 1. Mi_Pass also leads on iOS requirement (15.1 vs 17). Toki's advantage is update cadence (every 5 days vs every 5 weeks). On price, ads 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
Both are free to download. Toki sells 1 one-off in-app purchase. Mi_Pass asks for nothing beyond the download.
Mi_Pass ships an update every 5 weeks, Toki every 5 days. The most recent releases landed on October 12, 2026 and October 16, 2026 respectively.
| Parameter | Mi_Pass | Toki |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (1.1K ratings) — better | — |
| Positive reviews | 23.1% of reviews | — |
| Number of ratings | 1.1K — better | — |
| Update frequency | Every 5 weeks | Every 5 days — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free | — |
| Devices | iPhone, iPod | iPhone, iPad |
| Requires iOS | 15.1 — better | 17 |
| Further details — not scored | ||
| Size | 68 MB | 11 MB |
| Age rating | 4+ | 4+ |
| Developer | Banco de Chile | VICENTE CORDUA ALLENDE IRIARTE |
Bugs and requests
Mi_Pass
Reported bugs
3 issues- Phone number verification not working
- Inability to complete transactions due to app errors
- App not functioning properly after updates
Requested features
3 requests- Ability to use app on multiple devices
- Improved phone number verification process
- Biometric authentication options (e.g., Face ID, fingerprint)
Toki
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Mi_Pass
No in-app purchases
Toki
- Unlimited Pro Access$4.99
