# Mi_Pass vs Toki

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.

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.

## The numbers

| Metric | Mi_Pass | Toki |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (1.1K ratings)](https://appshunter.io/ios/app/mi-pass/id6443487726/reviews)** | — |
| Number of ratings | **1.1K** | — |
| Positive reviews | 23.1% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Every 5 days** |
| Monetization | Free | — |
| Size | 68 MB | 11 MB |
| Requires iOS | **15.1** | 17 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Banco de Chile](https://appshunter.io/developer/428949380) | [VICENTE CORDUA ALLENDE IRIARTE](https://appshunter.io/developer/1866373032) |

## What reviewers say

### Mi_Pass

[App page](https://appshunter.io/ios/app/mi-pass/id6443487726)

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.

**Highlights:** Secure operation authorization, Smartphone identity validation, High industry security standards, Remote transaction approval, Simple registration process, 6-digit authorization code

**In-app purchases:** none

**What reviewers like**

- 💡 Potential for biometric authentication (e.g., Face ID)
- 🚀 Fast and responsive app

**What reviewers complain about**

- 🐛 Frequent app crashes and errors
- 🔒 Issues with phone number verification
- 🔒 Lack of access to app when traveling or using a different device
- 🔋 Potential battery drain issues

**Reported bugs**

- Phone number verification not working
- Inability to complete transactions due to app errors
- App not functioning properly after updates

**Requested features**

- Ability to use app on multiple devices
- Improved phone number verification process
- Biometric authentication options (e.g., Face ID, fingerprint)


### Toki

[App page](https://appshunter.io/ios/app/toki-expense-tracker/id6757361622)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Unlimited Pro Access | $4.99 | one-time |


## Frequently asked questions

### Is Mi_Pass free?

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

### Is Toki free?

Toki is free to download, with in-app purchases available.

### Do Mi_Pass or Toki have ads?

Neither Mi_Pass nor Toki shows ads.

### Which is updated more often, Mi_Pass or Toki?

Mi_Pass ships an update every 5 weeks, and Toki every 5 days. Most recently, Mi_Pass was updated on October 12, 2026 and Toki on October 16, 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.*