M-Util: This is the standard tool available for free from www.multos.com. Our technical support team are expert users of this tool and can offer advice and guidance on how to use it.
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miTool: is an engineering tool developed by Multos International to assist bureaus and issuers with preparation, personalization and testing of MULTOS cards and EMV applications.
The tool offers an intuitive user interface to interrogate MULTOS cards, review and personalise EMV application templates, enable and load applications onto MULTOS cards, and then test EMV transactions using an in-built, highly configurable transaction simulator supporting all major EMV applications.

SmartDeck: This is the standard tool available for free from Multos.com click the button below):
SmartDeck Tool
Our technical support team are expert users of this tool and can offer advice and guidance on how to use it.