Comparison

POBAgo vs mKovanica

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

Head to head
About

POBAgo

Features
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Feel the freedom and simplicity of handling your finances on the go. POBAgo allows you to: - manage personal and business accounts in one app - check the balance, traffic and details of accounts - give payment orders for domestic and foreign payments and internal transfers - pay bills easily using the Scan and pay option - communicate with the Bank through the virtual inbox - buy and sell foreign currencies - activate standing orders - transfer funds from POBArate limit into your transaction account (eCash) - transfer funds from Mastercard limit into your transaction account - check cards traffic and details - request PIN for an existing card - split Mastercard credit card transactions into installments - activate your card - temporarily block and unblock your card, as well as cancel it - activate Aktiviraj sitniš (Spare change) - change your card delivery address - change card limits for ATM cash withdrawal, EFTPOS payments and internet payments - login and authorize payments using biometric data (fingerprint or face recognition) - check selected account balance without logging into the application (Quick balance) - download and share pdf receipts and statements - assign nicknames to individual accounts Security measures: You can access the application by entering the PIN known only to you or using biometric data. The application is locked due to inactivity and requires you to log in again. In case of repeated wrong PIN entries, the application is deactivated due to security reasons and needs to be reactivated.

About

mKovanica

Access your accounts anytime, anywhere with this mobile banking app. View balances, transactions, loans, savings, and credit card activity. Make payments, manage templates, and find branches and ATMs.

Highlights
  • Account balance and transaction overview
  • Loan and savings details
  • Credit card transaction viewing
  • Euro and SEPA payment processing
  • Payment templates and saved orders
  • Branch and ATM locator
  • Face recognition login
Read full description

Mobilna aplikacija Banke Kovanica d.d. „mKovanica“ omogućava vremenski i lokacijski neograničen pristup računima fizičkih i pravnih osoba, pregledu stanja, prometa te ostalim uslugama i pogodnostima. Uslugu je potrebno ugovoriti u poslovnicama Banke Kovanica d.d.. Aplikacija omogućava: -Uvid u stanje po svim računima; -Pregled prometa po transakcijskom računu; -Pregled kredita i ostalih plasmana; -Pregled oročene štednje; - Uvid u promet po kreditnim karticama; - plaćanje euro platnih naloga (slikaj i plati, skeniranje uplatnica s bar kodom) - plaćanje SEPA platnih naloga (nacionalne i prekogranične transakcije u EUR-ima) - plaćanje naloga iz spremljenih barkodova - predlošci - kreirajte i editirajte sami svoje predloške za plaćanja ili koristite stare (ukoliko ste već korisnik Internet bankarstva Konet) - pregled naloga - izvršavanje internih naloga - vizualni pregled kartica - VISA+ - mogućnost dijeljenja podataka o računu - pregled važeće tečajne liste - pregled lokacija poslovnica i bankomata banke - statistički prikaz transakcija - prijava prepoznavanjem lica

Screenshots

POBAgo4 screens
mKovanica3 screens

Verdict

The call

POBAgo and mKovanica are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

POBAgo ships an update every 3 months, mKovanica every 2 months. The most recent releases landed on October 11, 2026 and October 18, 2026 respectively.

ScorecardNo meaningful differences
POBAgo versus mKovanica: the parameters behind the verdict, then further details
ParameterPOBAgomKovanica
PriceFreeFree
Rating—1.0 (1 ratings) — better
Number of ratings—1 — better
Update frequencyEvery 3 monthsEvery 2 months — better
AdsNoNo
In-app purchasesNoNo
Monetization—Free
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.0 — better15.6
Further details — not scored
Size77 MB61 MB
Age rating4+4+
DeveloperPodravska banka d.d.Banka Kovanica d.d.

In-app purchases

None

POBAgo

No in-app purchases

None

mKovanica

No in-app purchases

Questions

Is POBAgo free?
POBAgo is free to download, with no in-app purchases.
Is mKovanica free?
mKovanica is free to download, with no in-app purchases.
Do POBAgo or mKovanica have ads?
Neither POBAgo nor mKovanica shows ads.
Which is updated more often, POBAgo or mKovanica?
POBAgo ships an update every 3 months, and mKovanica every 2 months. Most recently, POBAgo was updated on October 11, 2026 and mKovanica on October 18, 2026.

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