M vs CBE Authenticator
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
M
Access financial services in Ethiopia with this fast and inclusive mobile application. Send money, pay bills, buy airtime, and enjoy rewards, all with a simple interface that uses low data and storage.
- Send money to any bank or mobile money provider
- Buy airtime instantly
- Pay bills for utilities and TV
- Scan QR codes to pay merchants
- Transaction history tracking
- Spin the wheel for transaction rewards
- Access overdraft facilities
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M-PESA Lehulum – Fast. Inclusive. Rewarding. Welcome to M-PESA Lehulum – a lighter, faster, and more inclusive way to access financial services in Ethiopia. Whether you use a Safaricom SIM or not, you can now enjoy the convenience of M-PESA – available to everyone, everywhere in Ethiopia. Why M-PESA Lehulum? • Any Ethiopian SIM Card: Anyone can sign up and start transacting – all you need is an Ethiopian phone number. • Simple & Fast: A clean, clutter-free design built for speed and ease of use. • Low Data, Small Size: Save space and data while enjoying powerful features. Top Features • Simple Home Screen – Designed for everyday convenience. • Spin the Wheel Rewards – Win rewards every time you complete a transaction. • Send Money Anywhere – To any banks, M-PESA, mobile money providers, and more financial institutions. • Buy Airtime – Recharge for yourself or others in seconds. • Never be out of balance – Transact on M-PESA and access overdraft facilities. • Pay Bills – Electricity, water, TV and more – all in one place. • Scan to Pay – Instantly scan QR codes to pay at merchants nationwide. • Transaction History – View and track all your payments and transfers easily. Made for Everyone M-PESA Lehulum is for anyone who wants fast, secure, and reliable digital financial services – on any Ethiopian telephone network. Download M-PESA Lehulum today – because everyone deserves access to trusted, simple and rewarding financial services.
CBE Authenticator
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Commercial Bank of Ethiopia Soft Token The Official Soft Token app of CBE for IOS CBE IOS Soft Token app is Multi factor authentication app which gives you access to generate OTP on your IOS Device phone to login and and make transaction to cbe internet banking. Once you download the application, you can get Activation code from CBE self service portal . For further information, please e-mail to us :- CBEIntBankingMFA@cbe.com.et
Screenshots
Verdict
M and CBE Authenticator 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
M ships an update every 3 months, CBE Authenticator every 2 months. The most recent releases landed on June 1, 2026 and September 8, 2026 respectively.
| Parameter | M | CBE Authenticator |
|---|---|---|
| Price | Free | Free |
| Rating | 2.5 (8 ratings) — better | — |
| Positive reviews | 0.0% of reviews | — |
| Number of ratings | 8 — better | — |
| Update frequency | Every 3 months | Every 2 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 13.0 | 12.0 — better |
| Further details — not scored | ||
| Size | 72 MB | 79 MB |
| Age rating | 17+ | 4+ |
| Developer | Safaricom Telecommunications Ethiopia Plc | Commercial Bank of Ethiopia |
In-app purchases
M
No in-app purchases
CBE Authenticator
No in-app purchases
