# SIMPL mBanking vs PBS mToken

The clearest difference is update cadence: SIMPL mBanking at every 4 months against PBS mToken's every 52 months. PBS mToken's advantage is iOS requirement (11.0 vs 15.1). On price, ads, in-app purchases and device support there is nothing between them.

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

SIMPL mBanking ships an update every 4 months, PBS mToken every 52 months. The most recent releases landed on October 23, 2026 and October 26, 2026 respectively.

## The numbers

| Metric | SIMPL mBanking | PBS mToken |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.5 (11 ratings)](https://appshunter.io/ios/app/simpl-mbanking/id731342709/reviews)** | — |
| Number of ratings | **11** | — |
| Positive reviews | 28.6% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 4 months** | Every 52 months |
| Monetization | Free | — |
| Size | 53 MB | 10 MB |
| Requires iOS | 15.1 | **11.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Sparkasse Bank dd BiH](https://appshunter.io/developer/1378258846) | [PING d.o.o. Sarajevo](https://appshunter.io/developer/673685585) |

## 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


### PBS mToken

[App page](https://appshunter.io/ios/app/pbs-mtoken/id1363917486)

**In-app purchases:** none


## Frequently asked questions

### Is SIMPL mBanking free?

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

### Is PBS mToken free?

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

### Do SIMPL mBanking or PBS mToken have ads?

Neither SIMPL mBanking nor PBS mToken shows ads.

### Which is updated more often, SIMPL mBanking or PBS mToken?

SIMPL mBanking ships an update every 4 months, and PBS mToken every 52 months. Most recently, SIMPL mBanking was updated on October 23, 2026 and PBS mToken on October 26, 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.*