Optima24 vs Мой О! + Банк
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Optima24
Manage your finances with this secure and technological mobile app. It offers instant transfers, bill payments, loan and deposit options, and account management. Access card discounts and generate statements easily.
- Instant card transfers
- International Visa transfers
- Interbank transfers
- Bill and service payments
- Online loans and deposits
- Account statement generation
- Card discount catalog
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Optima24 - Удобное, безопасное и технологичное мобильное приложение для управления финансами самостоятельно. Мы предлагаем : • Моментальные переводы внутри карт Банка без комиссии; • Моментальные переводы Visa2Visa на платежные карты Visa других стран мира; • Межбанковские переводы; • Пополнение электронных кошельков и карт других банков; • Пополнение баланса сотовых операторов без комиссии; • Онлайн кредит; • Онлайн депозит; • Оплата за коммунальные, государственные и муниципальные услуги; • Открытие онлайн счета в иностранной валюте на выбор; • Управление лимитами и настройками самостоятельно в приложении; • Формирование выписки по карточному счету абсолютно бесплатно; • Доступ к каталогу скидок по платежным картам Банка. Оптима24 - лучший помощник в мир финансов!
Мой О! + Банк
This super app combines mobile banking, a personal account for a mobile operator, and a marketplace. It allows users to manage finances, pay bills, shop online, book flights, and earn rewards, all in one place.
- Mobile banking with accounts and cards
- Bill payments and government services
- Online marketplace with diverse goods
- Flight booking and travel deals
- Loyalty bonuses and cashback
- Personal mobile operator account management
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Мобильный банк, связь и платежи в Кыргызстане — всё в одном приложении. Карта Visa онлайн, переводы без комиссии в Казахстан и Узбекистан, оплата коммунальных услуг, кешбэк до 20%. Работает с любой SIM-картой. Банк в телефоне: карта Visa или Элкарт, кредит онлайн, депозиты и счета — без единого визита в офис. Переводы в Казахстан, в Узбекистан без комиссии, на карты Visa в 140+ стран. Получайте деньги из России через Astrasend. 2500+ сервисов без очередей: комуслуги, налоги, штрафы, патент, госуслуги, ОСАГО. Кешбэк до 20% за платежи картой O!Bank, по QR или в приложении. Связь О! и интернет Saima, 125 000+ товаров на O!Market с доставкой 24/7, авиабилеты в O!Travel и подарочные карты. Поддержка 24/7: 9999 и +996 700 000 999
Screenshots
Verdict
The clearest difference is rating: Мой О! + Банк at 4.5 against Optima24's 3.5. Optima24's advantage is ads (none vs shown) and review sentiment (50% vs 23%). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Мой О! + Банк holds the better App Store score, 4.5 against 3.5. Both are backed by a comparable volume of ratings — 199 and 473 respectively. Written reviews complicate that: 50% of Optima24's written reviews are positive against 23% of Мой О! + Банк's, so the app with the better star average is not the one people write more warmly about.
Optima24 ships an update every 2 weeks, Мой О! + Банк fortnightly. The most recent releases landed on October 2, 2026 and October 1, 2026 respectively.
| Parameter | Optima24 | Мой О! + Банк |
|---|---|---|
| Price | Free | Free |
| Rating | 3.5 (199 ratings) | 4.5 (473 ratings) — better |
| Positive reviews | 49.6% of reviews — better | 22.9% of reviews |
| Number of ratings | 199 | 473 — better |
| Update frequency | Every 2 weeks — better | Fortnightly |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 15.6 — better | 16.0 |
| Further details — not scored | ||
| Size | 350 MB | 293 MB |
| Age rating | 4+ | 4+ |
| Developer | Optima Bank OAO | NUR Telecom LLC |
Customer experience
Optima24
Мой О! + Банк
User reviews
Optima24
From 199 App Store ratingsWhat we love
- 👍 User-friendly and intuitive interface
- 💼 Reliable banking service
- 🌍 Convenient for international transactions
- ⭐ Good customer service at branches
- 📱 Stable app performance after recent updates
Room to improve
- 🐛 Frequent app crashes and freezes
- ⏳ Slow loading times and infinite loading
- 🔄 Constant need for app updates
- ❌ Balance display issues
- 📊 Payment history not loading
Мой О! + Банк
From 473 App Store ratingsWhat we love
- 👍 Convenient terminals nearby
- 👍 Balance top-up without commission
- 👍 Can view package balance
- 👍 Good functionality (older review)
- 👍 Fast and functional (older review)
Room to improve
- 🐛 Slow download/upload speeds
- 🐛 Frequent service outages
- 🐛 Unreliable internet connection
- 🐛 Money deducted without reason
- 🐛 Difficult money withdrawal
Bugs and requests
Optima24
Reported bugs
11 issues- App crashes during authentication and Face ID
- Cannot transfer between own accounts
- Dollar account currency conversion errors
- Cannot open deposits from dollar accounts
- White screen after identification process
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- Payment history not displaying
- Balance not showing on cards
- Session timeout after 1 minute requiring re-login
- PIN code resets unexpectedly
- Camera scanner crashes on card scanning
- Incorrect display of transaction amounts in different currencies
Requested features
6 requests- Apple Pay integration
- QR code scanning and payment functionality
- Dollar-denominated deposits
- Template saving for transfers
- Improved multi-currency account handling
Show 1 moreShow fewer
- Reduced frequency of technical maintenance windows
Мой О! + Банк
Reported bugs
21 issues- App not working after a day
- Slow download speeds
- Identification takes hours
- Service unavailable without warning
- Unable to transfer money between balance and bank account
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- Difficulty withdrawing money from balance
- Money transfer cancellation
- Internet not working for days
- App lags and doesn't work
- Internet glitches due to frequent updates
- Robot not working offline
- Unable to donate to games
- Automatic deduction of money
- App not updating on older phones
- App not working on iOS 12.4.8
- Widget shows error
- App crashes
- App doesn't launch
- App closes unexpectedly
- No Face ID in new version
- Chat connection issues
Requested features
7 requests- Add push notifications for internet payments
- Create a separate app for 'My O' users
- Allow robot to work offline
- Add option for full English translation
- Allow adding favorite accounts/phone numbers for payments
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- Categorize payment providers with logos
- Alphabetical sorting of payment providers
In-app purchases
Optima24
No in-app purchases
Мой О! + Банк
No in-app purchases
