PBZ mToken vs Subscription Tracker
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PBZ mToken
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PBZ mToken is a mobile app used for authentication and authorisation processes when using the following online services: • PBZCOM@NET – Internet Banking for corporate clients • e-Salary (e-Plaće) – the payment of wages, salaries and other remuneration into employees’ accounts • PBZ Digital Banking – Internet Banking for retail clients • 3D Secure – payment verification for online shopping • e-Citizens (e-Građani) – access to the e-Citizens portal Safety first The use of the PBZ mToken app is completely secure and certified according to the ISO 27001:2005 standard. The PBZ mToken is opened using a PIN known only to the user, which is not saved to your phone guaranteeing the maximum security. If the phone is stolen and somebody else attempts to access online services by entering incorrect data during registration, user authorisation is blocked, adding another layer of protection against unwanted access. Simple activation After installation, PBZ mToken needs to be activated by entering activation codes. You can request the activation codes in any PBZ branch office. If you use PBZ mToken for business purposes, you can request new activation codes at the Sinergo Desk or by contacting your Client Relations Manager. After entering the activation codes, you must now choose your PIN. When choosing the PIN, a PIN association is created consisting of the name of a country and an image of the country’s flag. The purpose of the PIN association is to assist users when opening the PBZ mToken by reminding them of the PIN they chose when activating the app if the app is used offline.
Subscription Tracker
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Subnest is a simple, private way to keep every subscription in one place and finally see what you really spend each month. Add Netflix, Spotify, iCloud+, ChatGPT, Disney+ — or anything you pay for on a schedule — and Subnest shows your true monthly and yearly totals at a glance, with a clean breakdown by category. WHY SUBNEST • See your real spend — monthly and yearly totals, updated instantly • Spending at a glance — a donut chart of where your money goes by category • Never miss a renewal — reminders before each one, on the day and time you choose • Works offline — your data lives on your device, no account required • Fast to add — pick from 60+ popular services with real logos, or add your own • Multi-currency — mix currencies and see everything converted to your base currency with live exchange rates PRIVATE BY DESIGN No account, no sign-in, no server of ours. Your subscriptions, prices and reminders stay on your device, and there are no ads and no tracking. One thing does leave, and it is worth stating plainly: when you buy Subnest Pro, that purchase is recorded by our purchase provider so it can be restored on your other devices. HOME-SCREEN WIDGET Keep your monthly total and next renewals one glance away, right on your home screen. SUBNEST PRO Free to track up to 3 subscriptions. Upgrade to Pro for: • Unlimited subscriptions • Spending insights — top subscriptions, due in the next 30 days, category breakdown • Custom accent colors and alternate app icons • CSV export of your data Subnest Pro is available as a one-time Lifetime purchase or a Yearly plan. Track smarter. Spend on purpose. LEGAL Privacy Policy: https://codrick.com/privacy/ Terms of Use (EULA): https://codrick.com/terms/ Made by Codrick · codrick.com
Screenshots
Verdict
The clearest difference is in-app purchases: PBZ mToken at none against Subscription Tracker's 2. PBZ mToken also leads on iOS requirement (10.0 vs 17.0). Subscription Tracker's advantage is update cadence (monthly vs every 19 months). 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. Subscription Tracker sells 2 in-app purchases, starting at $9.99 per year. PBZ mToken asks for nothing beyond the download.
PBZ mToken ships an update every 19 months, Subscription Tracker monthly. The most recent releases landed on October 16, 2026 and October 7, 2026 respectively.
| Parameter | PBZ mToken | Subscription Tracker |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 19 months | Monthly — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 10.0 — better | 17.0 |
| Further details — not scored | ||
| Size | 24 MB | 13 MB |
| Age rating | 17+ | 4+ |
| Developer | Privredna banka Zagreb d.d. | Berat Mehmetoglu |
In-app purchases
PBZ mToken
No in-app purchases
Subscription Tracker
- Subnest Pro (Yearly)$9.991 Year
- Subnest Pro (Lifetime)$24.99
Questions
Is PBZ mToken free?
Is Subscription Tracker free?
Do PBZ mToken or Subscription Tracker have ads?
Which is updated more often, PBZ mToken or Subscription Tracker?
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