Comparison

mPay vs SGB Mobile

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

mPay

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
Read full description

Pay easier than ever before with mPay! Join nearly 2 million users and manage all your finances in a single app. - Visa mPay multicurrency Debit Card: Pay in Poland and abroad. - Send & receive money with free instant money transfers to other users - Public transport and train tickets: Buy fast, plan your trips, and skip the queues. Get tickets from top carriers in Poland, including PKP Intercity. - Parking payments: Pay only for the time you park. Stop and resume parking anytime, anywhere. - Car and travel insurance: Access dozens of offers in seconds. - Need some extra cash? Get loans in the app—quick and hassle-free. Flexible loan options tailored to your needs: - Up to PLN 5,000* – first loan with RRSO 0%, repay in 61 days. - Up to PLN 9,6000 – RRSO 76.88%, repay in up to 12 months. - Up to PLN 25,000 – RRSO 53.92%, repay in up to 42 months. Download the app now and enjoy freedom in your everyday payments! The minimum and maximum loan period available to customers through mPay S.A. is 61 days. The minimum and maximum APR for the first loan is 0%, provided the loan is repaid within 61 days. The maximum APR for subsequent loans is 76.88%, provided the loan is repaid within 61 days. The loan provider is Soonly Finance sp. z o.o. Loan approval depends on the applicant’s creditworthiness assessment. Representative example for the first loan provided through mPay S.A.: Annual Percentage Rate (APR): 0% based on the following assumptions: total loan amount PLN 1,000; total amount to be repaid PLN 1,000; fixed annual interest rate: 0%; total loan cost: PLN 0; agreement duration: 61 days. Data as of March 5, 2026. Representative example for subsequent loans provided through mPay S.A.: Annual Percentage Rate (APR): 76.88% based on the following assumptions: total loan amount PLN 2,700; total amount to be repaid PLN 2,970; fixed annual interest rate: 0%; total loan cost: PLN 290 (fee: PLN 270, interest: PLN 0); agreement duration: 61 days. Data as of March 5, 2026. The personal data administrator is Soonly Finance sp. z o.o., headquartered at ul. Żwirki i Wigury 16c, 02-092 Warsaw, Poland. Tax ID (NIP): 525-253-13-20, REGON: 146101268. Registered at the District Court for the Capital City of Warsaw in Warsaw, 14th Commercial Division of the National Court Register, KRS 0000418977. Entry number in the Register of Credit Intermediaries and Loan Institutions maintained by the Polish Financial Supervision Authority: RIP000020. Share capital: PLN 40,019,100. All information regarding the principles of personal data processing, purposes of processing, legal grounds, categories of data recipients, data processing periods, whether providing data is mandatory or voluntary, the consequences of not providing data, automated decision-making, and your rights can be found in our Privacy Policy: https://www.soonly.pl/nasza-polityka-prywatnosci

About

SGB Mobile

Manage your finances conveniently from your phone with this mobile banking app. It offers features like BLIK payments, automatic highway tolls, subscription management, and comprehensive card control. Open accounts, view transactions, and make transfers securely.

Highlights
  • Mobile banking for individuals and businesses
  • Open account via selfie
  • BLIK payments and transfers
  • Automatic highway toll payments
  • Subscription and card management
  • Add cards to digital wallets
  • Comprehensive card control
Features
Read full description

Z SGB Mobile masz bank w zasięgu ręki. Zainstaluj aplikację SGB Mobile, by korzystać z nowoczesnych rozwiązań, zarządzać swoimi finansami szybko i wygodnie, bez wychodzenia z domu. SGB Mobile to: - bankowość mobilna dla klientów indywidualnych, firmowych oraz dzieci w wybranych Bankach Spółdzielczych SGB, - możliwość otwarcia konta na selfie w wybranym Banku Spółdzielczym, - usługa BLIK, w tym przelewy na telefon BLIK oraz prośba o przelew BLIK i podział rachunku, - automatyczne płatności za autostrady dzięki Autopay, - zarządzanie subskrypcjami i kartami podpiętymi do sklepów internetowych - dodawanie kart do cyfrowych portfeli, - płatności mobilne, - kompleksowe zarządzanie kartami – aktywacja, zmiany limitów, blokowanie i zastrzeganie, - podgląd rachunku, sprawdzanie stanu konta i historii transakcji, potwierdzenia w formacie PDF, - dostęp do przelewów, - zabezpieczenie transakcji poprzez 3DSecure. Szczegóły dotyczące aplikacji SGB Mobile znajdziesz tutaj: https://www.sgb.pl/sgbmobile/ Pamiętaj – nie pobieraj aplikacji z nieznanych źródeł, instaluj ją tylko ze sklepu App Store. SGB Mobile to usługa bankowości mobilnej dla klientów indywidualnych oraz firm oferowana przez SGB-Bank S.A. oraz wybrane banki spółdzielcze SGB. Szczegóły oferty, w tym informacje o opłatach i prowizjach za korzystanie z produktów i usług w ramach bankowości mobilnej, wymagania techniczne, zakres funkcjonalności, kategorie użytkowników aplikacji mobilnej, regulamin korzystania z aplikacji mobilnej SGB Mobile oraz lista banków spółdzielczych SGB oferujących możliwość korzystania z aplikacji SGB Mobile dostępne są na stronie www.sgb.pl/sgbmobile. Aplikacja Mobilna SGB Mobile - Mamy Tu Wszystko

Screenshots

mPay4 screens
SGB Mobile4 screens

Verdict

The call

The clearest difference is rating: SGB Mobile at 4.8 against mPay's 3.5. SGB Mobile also leads on ads (none vs shown) and monetization model (free vs free with in-app purchases). mPay's advantage is review sentiment (22% vs 0%). On price, ratings volume, update cadence and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

SGB Mobile holds the better App Store score, 4.8 against 3.5. Both are backed by a comparable volume of ratings — 25 and 21 respectively. Written reviews complicate that: 22% of mPay's written reviews are positive against 0% of SGB Mobile's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

mPay ships an update every 5 weeks, SGB Mobile every 2 months. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.

Scorecard4 real differences · 6 level
mPay versus SGB Mobile: the parameters behind the verdict, then further details
ParametermPaySGB Mobile
PriceFreeFree
Rating3.5 (25 ratings)4.8 (21 ratings) — better
Positive reviews21.6% of reviews — better0.0% of reviews
Number of ratings25 — better21
Update frequencyEvery 5 weeks — betterEvery 2 months
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.615.6
Further details — not scored
Size186 MB94 MB
Age rating4+4+
DevelopermPay S.A.SGB Bank S.A.

Customer experience

mPay

All ratings25 ratings
Positive64.0%
Neutral0.0%
Negative36.0%
Written reviews139 reviews
Positive21.6%
Neutral6.5%
Negative71.9%

SGB Mobile

All ratings21 ratings
Positive95.2%
Neutral0.0%
Negative4.8%
Written reviews2 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

mPay

No in-app purchases

None

SGB Mobile

No in-app purchases

Questions

Is mPay free?
mPay is free to download, with no in-app purchases.
Is SGB Mobile free?
SGB Mobile is free to download, with no in-app purchases.
Which has better reviews, mPay or SGB Mobile?
SGB Mobile is rated higher. mPay averages 3.5 out of 5 from 25 ratings, while SGB Mobile averages 4.8 from 21 ratings.
Do mPay or SGB Mobile have ads?
mPay shows ads; SGB Mobile does not.
Which is updated more often, mPay or SGB Mobile?
mPay ships an update every 5 weeks, and SGB Mobile every 2 months. Most recently, mPay was updated on November 1, 2026 and SGB Mobile on November 3, 2026.

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