Optima24 vs Balance.KG
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!
Balance.KG
Easily pay for utilities, TV, internet, games, and mobile services without commission. Transfer money instantly, discover promotions, and save frequent payments. View payment history and find nearby top-up locations.
- Commission-free payments
- Instant money transfers
- Favorite payments
- Payment history
- Location map for top-ups
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Оплачивай и обналичивай через Balance! Оплачивай ЛЕГКО И БЕЗ КОМИССИИ все коммунальные услуги, ТВ и интернет, игры и развлечения, покупки в социальных сетях, баланс местных и зарубежных операторов связи, другие интернет и финансовые услуги. С приложением Вы можете совершать моментальные переводы денег на баланс абонентов Beeline, узнавать об акциях и подарках, а частые платежи добавлять в избранное. Также имеется возможность смотреть историю платежей за последний месяц и карта с расположением точек, в которых вы можете пополнить свой баланс без комиссии
Screenshots
Verdict
The clearest difference is rating: Optima24 at 3.5 against Balance.KG's 3.0. Optima24 also leads on review sentiment (50% vs 33%) and ratings volume (199 vs 26). Balance.KG's advantage is iOS requirement (12.0 vs 15.6). On price, update cadence, ads 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.
Optima24 holds the better App Store score, 3.5 against 3.0. That said, the two scores are not equally well evidenced: Optima24 has 199 ratings behind it against 26, so its average is the more settled of the two. Written reviews point the same way: 50% of Optima24's written reviews are positive against 33% of Balance.KG's.
Optima24 ships an update every 2 weeks, Balance.KG every 3 weeks. The most recent releases landed on October 26, 2026 and October 20, 2026 respectively.
| Parameter | Optima24 | Balance.KG |
|---|---|---|
| Price | Free | Free |
| Rating | 3.5 (199 ratings) — better | 3.0 (26 ratings) |
| Positive reviews | 49.6% of reviews — better | 32.9% of reviews |
| Number of ratings | 199 — better | 26 |
| Update frequency | Every 2 weeks — better | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.6 | 12.0 — better |
| Further details — not scored | ||
| Size | 350 MB | 200 MB |
| Age rating | 4+ | 17+ |
| Developer | Optima Bank OAO | OOO Sky Mobile |
Customer experience
Optima24
Balance.KG
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
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- Reduced frequency of technical maintenance windows
Balance.KG
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Optima24
No in-app purchases
Balance.KG
No in-app purchases
