# Optima24 vs Мой О! + Банк

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 24%). On price, ratings volume, update cadence and in-app purchases there is nothing between them.

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 476 respectively. Written reviews complicate that: 50% of Optima24's written reviews are positive against 24% of Мой О! + Банк's, so the app with the better star average is not the one people write more warmly about.

Both ship on a similar rhythm, roughly every 2 weeks. The most recent releases landed on October 11, 2026 and October 14, 2026 respectively.

## The numbers

| Metric | Optima24 | Мой О! + Банк |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.5 (199 ratings)](https://appshunter.io/ios/app/optima24/id1021852052/reviews) | **[4.5 (476 ratings)](https://appshunter.io/ios/app/plus/id1257075492/reviews)** |
| Number of ratings | 199 | **476** |
| Positive reviews | **49.6% of reviews** | 24.5% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 2 weeks | Every 2 weeks |
| Monetization | **Free** | Free with in-app purchases |
| Size | 350 MB | 298 MB |
| Requires iOS | **15.6** | 16.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Optima Bank OAO](https://appshunter.io/developer/1575934233) | [NUR Telecom LLC](https://appshunter.io/developer/1202124575) |

## What reviewers say

### Optima24

[App page](https://appshunter.io/ios/app/optima24/id1021852052)

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.

**Highlights:** Instant card transfers, International Visa transfers, Interbank transfers, Bill and service payments, Online loans and deposits, Account statement generation, Card discount catalog

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

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly and intuitive interface
- 💼 Reliable banking service
- 🌍 Convenient for international transactions
- ⭐ Good customer service at branches
- 📱 Stable app performance after recent updates

**What reviewers complain about**

- 🐛 Frequent app crashes and freezes
- ⏳ Slow loading times and infinite loading
- 🔄 Constant need for app updates
- ❌ Balance display issues
- 📊 Payment history not loading

**Reported bugs**

- 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

**Requested features**

- Apple Pay integration
- QR code scanning and payment functionality
- Dollar-denominated deposits
- Template saving for transfers
- Improved multi-currency account handling


### Мой О! + Банк

[App page](https://appshunter.io/ios/app/plus/id1257075492)

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.

**Highlights:** 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

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

**In-app purchases:** none

**What reviewers like**

- 👍 Convenient terminals nearby
- 👍 Balance top-up without commission
- 👍 Can view package balance
- 👍 Good functionality (older review)
- 👍 Fast and functional (older review)

**What reviewers complain about**

- 🐛 Slow download/upload speeds
- 🐛 Frequent service outages
- 🐛 Unreliable internet connection
- 🐛 Money deducted without reason
- 🐛 Difficult money withdrawal

**Reported bugs**

- 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

**Requested features**

- 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


## Frequently asked questions

### Is Optima24 free?

Optima24 is free to download, with no in-app purchases.

### Is Мой О! + Банк free?

Мой О! + Банк is free to download, with no in-app purchases.

### Which has better reviews, Optima24 or Мой О! + Банк?

Мой О! + Банк is rated higher. Optima24 averages 3.5 out of 5 from 199 ratings, while Мой О! + Банк averages 4.5 from 476 ratings.

### Do Optima24 or Мой О! + Банк have ads?

Мой О! + Банк shows ads; Optima24 does not.

### Which is updated more often, Optima24 or Мой О! + Банк?

Optima24 ships an update every 2 weeks, and Мой О! + Банк every 2 weeks. Most recently, Optima24 was updated on October 11, 2026 and Мой О! + Банк on October 14, 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.*