Zapad Secure vs Prva mToken
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Zapad Secure
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Zapad Secure is an application in the field of digital channels. It allows you a quick and secure transaction authorization, at any time, wherever you are. Access your card and make payment using „Strong Customer Authentication“ method– biometrics. The application is intended for individuals, entrepreneurs and legal entities. To use Zapad Secure application, you need smart phone and payment card. Please contact Zapad banka branches for more details. Security and safety: - Your card data and PIN are not stored in your mobile phone, - Follow push notifications and biometrics in order to authorize your internet transactions;
Prva mToken
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The application used for authentication and authorization - Prva Token, is necessary for all the customers who wish to use the digital products of Prva banka. Prva Token renders a higher level of security of electronic transactions authorizations due to a two-factor authentication. Prva Token combines convenience and reliability of using your personal mobile phone with the highest security level offering the mToken authentication method. It is necessary to activate the Prva Token mobile application by using the activation codes which the customer shall obtain by visiting one of the Bank’s Branch Offices. After entering the activation codes, the customer shall define (and confirm) the PIN which shall be used to access the application. The option mToken from the main menu is used to generate the security code for transaction authorization. The authorization of your transactions is only three clicks away from you by using the push notification method. The application is available in two languages - Montenegrin and English.
Screenshots
Verdict
The clearest difference is update cadence: Prva mToken at every 8 months against Zapad Secure's every 19 months. Prva mToken also leads on device support and iOS requirement (10.0 vs 14.0). On price and in-app purchases 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. Neither carries in-app purchases, so what you see is what you pay.
Zapad Secure ships an update every 19 months, Prva mToken every 8 months. The most recent releases landed on June 1, 2026 and September 18, 2026 respectively.
| Parameter | Zapad Secure | Prva mToken |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 19 months | Every 8 months — better |
| Ads | — | No |
| In-app purchases | No | No |
| Devices | — | iPhone, iPad, iPod — better |
| Requires iOS | 14.0 | 10.0 — better |
| Further details — not scored | ||
| Size | 48 MB | 24 MB |
| Age rating | 17+ | 17+ |
| Developer | Zapad banka AD Podgorica | PRVA BANKA CRNE GORE |
In-app purchases
Zapad Secure
No in-app purchases
Prva mToken
No in-app purchases









