POBA m_Token vs m
Price, ratings, monetisation and update history for both apps, side by side โ with what reviewers say about each.
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.
- One-time password generation
- Payment order authorization
- PUSH notification authorization
- PIN login
- Biometric login support
- Secure internet card payments
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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 youโve 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
m
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
| Parameter | POBA m_Token | m |
|---|---|---|
| Price | Free | Free |
| Positive reviews | 100.0% of reviews | โ |
| Update frequency | Every 10 months โ better | Every 68 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | โ |
| Devices | iPhone, iPad, iPod โ better | iPhone, iPod |
| Requires iOS | 10.0 | 9.0 โ better |
| Further details โ not scored | ||
| Size | 25 MB | 20 MB |
| Age rating | 4+ | 4+ |
| Developer | Podravska banka d.d. | UniCredit Bank d.d. (BiH) |
In-app purchases
POBA m_Token
No in-app purchases
m
No in-app purchases









