# NBO vs bm merchant

The clearest difference is review sentiment: NBO at 45% against bm merchant's 0%. NBO also leads on update cadence (monthly vs every 4 months). bm merchant's advantage is iOS requirement (12.0 vs 14.0). On price, ads, in-app purchases and monetization model there is nothing between them.

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

NBO ships an update monthly, bm merchant every 4 months. The most recent releases landed on October 29, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | NBO | bm merchant |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.6 (88 ratings)](https://appshunter.io/ios/app/nbo/id939103611/reviews)** | — |
| Number of ratings | **88** | — |
| Positive reviews | **45.0% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 4 months |
| Monetization | Free | Free |
| Size | 239 MB | 7 MB |
| Requires iOS | 14.0 | **12.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [National Bank of Oman SAOG](https://appshunter.io/developer/833523237) | [BankMuscat](https://appshunter.io/developer/520776186) |

## What reviewers say

### NBO

[App page](https://appshunter.io/ios/app/nbo/id939103611)

Manage your finances securely and conveniently on the go. Access account information, transfer funds, pay bills, and request services. Find nearby ATMs and branches, and utilize helpful financial calculators.

**Highlights:** Account inquiry and balance check, Money transfers (local & international), Bill payments and scheduling, Service requests (credit card, cheque book), ATM/branch locator, Financial calculators, Bilingual support (English/Arabic)

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

**In-app purchases:** none


### bm merchant

[App page](https://appshunter.io/ios/app/bm-merchant/id1488253237)

This digital wallet allows merchants to easily receive and request payments from consumers using mobile numbers, aliases, or QR codes. It simplifies transactions by enabling quick payment generation and initiation, with options for consumers to accept or reject requests.

**Highlights:** Receive payments via QR code, Request payments using mobile number or alias, Accept or reject payment requests, Share QR code for easy payments, Digital wallet functionality

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is NBO free?

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

### Is bm merchant free?

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

### Do NBO or bm merchant have ads?

Neither NBO nor bm merchant shows ads.

### Which is updated more often, NBO or bm merchant?

NBO ships an update monthly, and bm merchant every 4 months. Most recently, NBO was updated on October 29, 2026 and bm merchant on October 24, 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.*