Comparison

POBA m_Token vs m

Price, ratings, monetisation and update history for both apps, side by side โ€” with what reviewers say about each.

Head to head
About

POBA m_Token

This app acts as a secure authentication tool for online banking. It provides one-time passwords for login and authorizes payment orders through a Challenge/Response system. Card payments can also be authorized via PUSH notification.

Highlights
  • One-time password generation
  • Payment order authorization
  • PUSH notification authorization
  • PIN login
  • Biometric login support
  • Secure internet card payments
Features
Read full description

POBA m_Token is an application that is installed and used via a mobile device, and serves as an authentication tool for logging into POBAklik internet banking (one-time password) and authorization of payment orders (Challenge/Response). Card payments on the Internet can be authorized, except by entering an SMS password, and by PUSH notification on m_Token. Login to the application is possible with PIN or biometrics. AGREEMENT & INSTALLATION POBA m_Token application can be agreed at any of Podravska bank branches. After youโ€™ve agreed to use it, you will receive an SMS message with activation codes on your mobile device. Download the POBA m_Token application from the Store. After a successful personalization, m_Token requires PIN entry and PIN confirmation, also needed for future login to POBA m_Token. You can activate biometric access to the application in the Application Settings

About

m

Read full description

e-ba Plus application is the electronic banking application of UniCredit Bank dd intended for legal entities. Authorized users access the application via official website of the Bank using personal smart card / PIN or USB key / PIN. m-token e-ba Plus is a simple and secure application that is used to identify the user and make additional authorization of payment orders issued via e-ba Plus e-banking application. Authorized users, with right to sign and send e-ba Plus payment orders, are able to arrange additional authorization of payment orders for the following types of payment orders: ordinary domestic payments, public revenue/tax payments and foreign payment orders.

Screenshots

POBA m_Token3 screens
m4 screens

Verdict

The call

The clearest difference is update cadence: POBA m_Token at every 10 months against m's every 68 months. On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price ยท Rating ยท Positive reviews ยท Number of ratings ยท Update frequency ยท Ads ยท In-app purchases ยท Monetization ยท Best chart rank ยท Devices ยท Requires iOS

CostPrice ยท In-app purchases ยท Ads ยท Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

POBA m_Token ships an update every 10 months, m every 68 months. The most recent releases landed on June 6, 2026 and September 20, 2026 respectively.

Scorecard1 real difference ยท 7 level
POBA m_Token versus m: the parameters behind the verdict, then further details
ParameterPOBA m_Tokenm
PriceFreeFree
Positive reviews100.0% of reviewsโ€”
Update frequencyEvery 10 months โ€” betterEvery 68 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeโ€”
DevicesiPhone, iPad, iPod โ€” betteriPhone, iPod
Requires iOS10.09.0 โ€” better
Further details โ€” not scored
Size25 MB20 MB
Age rating4+4+
DeveloperPodravska banka d.d.UniCredit Bank d.d. (BiH)

In-app purchases

None

POBA m_Token

No in-app purchases

None

m

No in-app purchases

Questions

Is POBA m_Token free?
POBA m_Token is free to download, with no in-app purchases.
Is m free?
m is free to download, with no in-app purchases.
Do POBA m_Token or m have ads?
Neither POBA m_Token nor m shows ads.
Which is updated more often, POBA m_Token or m?
POBA m_Token ships an update every 10 months, and m every 68 months. Most recently, POBA m_Token was updated on June 6, 2026 and m on September 20, 2026.

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