# BO2 vs MTM pay

The clearest difference is ads: BO2 at none against MTM pay's shown. BO2 also leads on review sentiment (33% vs 0%) and rating (3.3 vs 3.0). MTM pay's advantage is update cadence (fortnightly vs monthly). On price, in-app purchases, device support and iOS requirement there is nothing between them.

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

BO2 holds the better App Store score, 3.3 against 3.0. That said, the two scores are not equally well evidenced: BO2 has 6 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 33% of BO2's written reviews are positive against 0% of MTM pay's.

BO2 ships an update monthly, MTM pay fortnightly. The most recent releases landed on October 8, 2026 and September 21, 2026 respectively.

## The numbers

| Metric | BO2 | MTM pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.3 (6 ratings)](https://appshunter.io/ios/app/bo2/id6741806915/reviews)** | [3.0 (1 ratings)](https://appshunter.io/ios/app/mtm-pay/id6752014397/reviews) |
| Number of ratings | **6** | 1 |
| Positive reviews | **33.3% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Monthly | **Fortnightly** |
| Monetization | **Free** | Ad-supported |
| Size | 58 MB | 76 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Byblos Bank](https://appshunter.io/developer/807382552) | [MTM S.A.L](https://appshunter.io/developer/1837875654) |

## What reviewers say

### BO2

[App page](https://appshunter.io/ios/app/bo2/id6741806915)

This digital banking app allows for quick account creation and instant virtual card issuance. It facilitates easy money transfers, physical card ordering, and cardless ATM transactions using vouchers. Enjoy 24/7 access to your finances and manage your accounts seamlessly.

**Highlights:** Quick account creation, Instant virtual card issuance, Peer-to-peer money transfers, Physical card ordering and delivery, Cardless ATM withdrawals/deposits, 24/7 account access

**Features:** Vision Pro support

**In-app purchases:** none


### MTM pay

[App page](https://appshunter.io/ios/app/mtm-pay/id6752014397)

This digital wallet simplifies saving, sending, and receiving money with secure, user-friendly features. It offers seamless transactions, bill payments, mobile top-ups, and financial management tools for everyday needs.

**Highlights:** E-wallet account approval, Secure transactions with encryption and biometrics, Instant money transfers, Bill payments and mobile top-ups, QR code payments, Transaction history and reports, Digital receipts and notifications

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is BO2 free?

BO2 is free to download, with no in-app purchases.

### Is MTM pay free?

MTM pay is free to download, with no in-app purchases.

### Which has better reviews, BO2 or MTM pay?

BO2 is rated higher. BO2 averages 3.3 out of 5 from 6 ratings, while MTM pay averages 3.0 from 1 ratings.

### Do BO2 or MTM pay have ads?

MTM pay shows ads; BO2 does not.

### Which is updated more often, BO2 or MTM pay?

BO2 ships an update monthly, and MTM pay fortnightly. Most recently, BO2 was updated on October 8, 2026 and MTM pay on September 21, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*