# IKB mToken vs KEKS Pay

The clearest difference is update cadence: KEKS Pay at every 2 weeks against IKB mToken's every 4 months. IKB mToken's advantage is iOS requirement (13.0 vs 15.6). 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.

IKB mToken ships an update every 4 months, KEKS Pay every 2 weeks. The most recent releases landed on October 26, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | IKB mToken | KEKS Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[4.8 (117 ratings)](https://appshunter.io/ios/app/keks-pay/id1434843784/reviews)** |
| Number of ratings | — | **117** |
| Positive reviews | — | 50.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Every 2 weeks** |
| Monetization | — | Free |
| Size | 20 MB | 230 MB |
| Requires iOS | **13.0** | 15.6 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 12+ |
| Developer | [Banksoft d.o.o.](https://appshunter.io/developer/544695525) | [Erste banka HR](https://appshunter.io/developer/781546804) |

## What reviewers say

### IKB mToken

[App page](https://appshunter.io/ios/app/ikb-mtoken/id896649689)

**Features:** macOS Compatibility

**In-app purchases:** none


### KEKS Pay

[App page](https://appshunter.io/ios/app/keks-pay/id1434843784)

Send and receive money quickly and securely with this free app. Easily split costs with friends, request payments, and manage group expenses without any fees. It's a simple way to handle everyday transactions.

**Highlights:** Send and receive money, No transaction fees, Split expenses with groups, Request payments, Secure transactions, PIN and biometric protection

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

**In-app purchases:** none


## Frequently asked questions

### Is IKB mToken free?

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

### Is KEKS Pay free?

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

### Do IKB mToken or KEKS Pay have ads?

Neither IKB mToken nor KEKS Pay shows ads.

### Which is updated more often, IKB mToken or KEKS Pay?

IKB mToken ships an update every 4 months, and KEKS Pay every 2 weeks. Most recently, IKB mToken was updated on October 26, 2026 and KEKS Pay on October 25, 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.*