# mPay vs PKO Junior

The clearest difference is review sentiment: PKO Junior at 100% against mPay's 22%. PKO Junior also leads on ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, update cadence, 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.

Both ship on a similar rhythm, roughly every 5 weeks. The most recent releases landed on September 22, 2026 and September 20, 2026 respectively.

## The numbers

| Metric | mPay | PKO Junior |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.5 (25 ratings)](https://appshunter.io/ios/app/mpay-mobile-payments/id969104510/reviews)** | — |
| Number of ratings | **25** | — |
| Positive reviews | 21.6% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 5 weeks | Every 5 weeks |
| Monetization | Free with in-app purchases | **Free** |
| Size | 186 MB | 108 MB |
| Requires iOS | 15.6 | **15.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [mPay S.A.](https://appshunter.io/developer/969104509) | [PKO BP S.A.](https://appshunter.io/developer/596463708) |

## What reviewers say

### mPay

[App page](https://appshunter.io/ios/app/mpay-mobile-payments/id969104510)

Manage all your finances in one app. Pay for public transport, parking, and insurance. Send and receive money instantly, and access flexible loan options.

**Highlights:** Multicurrency debit card, Instant money transfers, Public transport and train tickets, Parking payments, Car and travel insurance, In-app loans

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

**In-app purchases:** none


### PKO Junior

[App page](https://appshunter.io/ios/app/pko-junior/id1085090139)

This app teaches children under 12 about managing their money with parental supervision. It offers interactive financial lessons, budgeting tools, and the ability to initiate transfers and set savings goals.

**Highlights:** PIN, fingerprint, or face recognition login, Financial lessons with robot guidance, Initiate transfers and phone top-ups (parental approval), Virtual piggy banks with savings goals, Savings calculator with interest rates, Rewards and badges for completing tasks, Customizable app background

**In-app purchases:** none


## Frequently asked questions

### Is mPay free?

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

### Is PKO Junior free?

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

### Do mPay or PKO Junior have ads?

mPay shows ads; PKO Junior does not.

### Which is updated more often, mPay or PKO Junior?

mPay ships an update every 5 weeks, and PKO Junior every 5 weeks. Most recently, mPay was updated on September 22, 2026 and PKO Junior on September 20, 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.*