# mUnion BiH vs Kviko

The clearest difference is rating: Kviko at 5.0 against mUnion BiH's 2.3. Kviko also leads on iOS requirement (13.0 vs 15.1). On price, ratings volume, update cadence and ads 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 2.3. Both are backed by a comparable volume of ratings — 3 and 2 respectively.

mUnion BiH ships an update every 6 months, Kviko every 5 months. The most recent releases landed on October 23, 2026 and October 16, 2026 respectively.

## The numbers

| Metric | mUnion BiH | Kviko |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.3 (3 ratings)](https://appshunter.io/ios/app/munion-bih/id858433860/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/kviko/id1301295074/reviews)** |
| Number of ratings | **3** | 2 |
| Positive reviews | 0.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 months | **Every 5 months** |
| Monetization | Free | Free |
| Size | 76 MB | 7 MB |
| Requires iOS | 15.1 | **13.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Union Banka DD Sarajevo](https://appshunter.io/developer/1553287751) | [BAMCARD d.d.](https://appshunter.io/developer/1301295073) |

## What reviewers say

### mUnion BiH

[App page](https://appshunter.io/ios/app/munion-bih/id858433860)

Access your accounts, perform real-time financial transactions, and apply for products remotely. Securely manage your accounts and cards, make domestic and international payments, and view transaction history.

**Highlights:** Secure login with fingerprint or face scan, Detailed account balance overview, Card management and real-time transaction viewing, Domestic and international payment processing, Online application for products and services

**Features:** macOS Compatibility

**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 mUnion BiH free?

mUnion BiH 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, mUnion BiH or Kviko?

Kviko is rated higher. mUnion BiH averages 2.3 out of 5 from 3 ratings, while Kviko averages 5.0 from 2 ratings.

### Do mUnion BiH or Kviko have ads?

Neither mUnion BiH nor Kviko shows ads.

### Which is updated more often, mUnion BiH or Kviko?

mUnion BiH ships an update every 6 months, and Kviko every 5 months. Most recently, mUnion BiH was updated on October 23, 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.*