# SIMPL mBanking vs Kviko

The clearest difference is rating: Kviko at 5.0 against SIMPL mBanking's 2.4. Kviko also leads on iOS requirement (13.0 vs 15.1). SIMPL mBanking's advantage is ratings volume (11 vs 2). On price, update cadence, ads and in-app purchases there is nothing between them.

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

Kviko holds the better App Store score, 5.0 against 2.4. That said, the two scores are not equally well evidenced: SIMPL mBanking has 11 ratings behind it against 2, so its average is the more settled of the two.

SIMPL mBanking ships an update every 4 months, Kviko every 5 months. The most recent releases landed on October 14, 2026 and October 16, 2026 respectively.

## The numbers

| Metric | SIMPL mBanking | Kviko |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.4 (11 ratings)](https://appshunter.io/ios/app/simpl-mbanking/id731342709/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/kviko/id1301295074/reviews)** |
| Number of ratings | **11** | 2 |
| Positive reviews | 28.6% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 4 months** | Every 5 months |
| Monetization | Free | Free |
| Size | 53 MB | 7 MB |
| Requires iOS | 15.1 | **13.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Sparkasse Bank dd BiH](https://appshunter.io/developer/1378258846) | [BAMCARD d.d.](https://appshunter.io/developer/1301295073) |

## What reviewers say

### SIMPL mBanking

[App page](https://appshunter.io/ios/app/simpl-mbanking/id731342709)

Manage your finances and perform banking transactions securely and conveniently from your mobile device. Pay bills, transfer money, convert currencies, and manage your cards 24/7. Access bank information, branch locations, and exchange rates.

**Highlights:** Pay bills and accounts, Scan & Pay bills with photos, Money transfers to contacts, Currency conversion, Card management (block/unblock, spending limits), Account and card balance overview, Biometric login (face, fingerprint)

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

**In-app purchases:** none


### Kviko

[App page](https://appshunter.io/ios/app/kviko/id1301295074)

This app enables mobile money transfers using only the recipient's phone number. It offers secure cash withdrawals via QR codes at ATMs and direct account-to-account transfers. Additionally, it facilitates quick payments to merchants and mobile top-ups.

**Highlights:** Mobile money transfers via phone number, Cash withdrawals at ATMs using a code, Account-to-account transfers, QR code payments at merchants, Mobile top-ups

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is SIMPL mBanking free?

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

### Is Kviko free?

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

### Which has better reviews, SIMPL mBanking or Kviko?

Kviko is rated higher. SIMPL mBanking averages 2.4 out of 5 from 11 ratings, while Kviko averages 5.0 from 2 ratings.

### Do SIMPL mBanking or Kviko have ads?

Neither SIMPL mBanking nor Kviko shows ads.

### Which is updated more often, SIMPL mBanking or Kviko?

SIMPL mBanking ships an update every 4 months, and Kviko every 5 months. Most recently, SIMPL mBanking was updated on October 14, 2026 and Kviko on October 16, 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.*