Optima24 vs BakAi
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!
BakAi
This mobile banking app offers convenient payments for various services, access to government services, and quick financial solutions like online loans and card management. It prioritizes innovative security with remote video identification.
- Convenient payments for utilities, internet, mobile, taxes, games
- Access to over ten government services
- Online loans up to 200,000 som
- Money transfers to Russia and Kazakhstan cards
- Virtual card opening and physical card ordering
- Remote video identification for security
- Account and card management
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Добро пожаловать в мир удобства и инноваций с BakAi — вашим новым мобильным банком, где каждое касание раскрывает перед вами больше возможностей. Основные функции BakAi включают: Удобные платежи: Оплачивайте широкий спектр услуг, включая коммунальные платежи, интернет, мобильную связь, налоги и даже онлайн-игры, используя переводы по номеру телефона и QR-коды. Государственные услуги: Получайте доступ к более десяти государственным услугам, включая проверку задолженности, информацию о паспорте и статус заявки, всего лишь в несколько касаний. Быстрые финансовые решения: Получите онлайн-кредиты до 200 000 сомов без походов в банк, быстрые денежные переводы на карты банков России и Казахстана, а также возможность открытия виртуальной карты или заказа карт Visa Classic, Visa Gold или Visa ИФЦ. Инновационная безопасность: Наша удаленная видеоидентификация гарантирует безопасность ваших средств 24/7. Управление счетами: Управляйте своими счетами и картами легко и удобно, следите за расходами и платежами с помощью всего одного касания. Выбирайте инновации — выбирайте BakAi. Скачайте приложение прямо сейчас и погрузитесь в новый уровень финансового удобства!
Screenshots
Verdict
The clearest difference is rating: BakAi at 4.7 against Optima24's 3.5. Optima24's advantage is update cadence (every 2 weeks vs every 4 weeks). On price, review sentiment, ratings volume and ads 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.
BakAi holds the better App Store score, 4.7 against 3.5. Both are backed by a comparable volume of ratings — 199 and 381 respectively. Written reviews split almost evenly too, at 50% and 51% positive.
Optima24 ships an update every 2 weeks, BakAi every 4 weeks. The most recent releases landed on September 23, 2026 and September 21, 2026 respectively.
| Parameter | Optima24 | BakAi |
|---|---|---|
| Price | Free | Free |
| Rating | 3.5 (199 ratings) | 4.7 (381 ratings) — better |
| Positive reviews | 50.0% of reviews | 50.8% of reviews — better |
| Number of ratings | 199 | 381 — better |
| Update frequency | Every 2 weeks — better | Every 4 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.6 | 14 — better |
| Further details — not scored | ||
| Size | 358 MB | 272 MB |
| Age rating | 4+ | 4+ |
| Developer | Optima Bank OAO | OJSC BAKAI BANK |
Customer experience
Optima24
BakAi
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
BakAi
From 381 App Store ratingsWhat we love
- 👍 Intuitive and user-friendly interface
- 🚀 Fast and responsive application performance
- 💳 Convenient QR code transfer functionality
- 🌍 Excellent service for international users and non-residents
- 📧 Innovative 3DS code delivery via email for travel convenience
Room to improve
- 🐛 Frequent application crashes and freezes
- 🔐 Overly restrictive account blocking and card freezing
- 📵 Push notifications not working properly
- 🔄 Confusing and poorly explained account recovery process
- 💸 Unexplained currency conversion rate issues
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
Show 6 moreShow fewer
- 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
BakAi
Reported bugs
15 issues- Application crashes upon opening after updates
- Cannot log in to app - stuck on authorization screen
- App crashes every 5 seconds after recent update
- QR code transfer functionality fails intermittently
- Phone number transfer feature unavailable for non-residents
Show 10 moreShow fewer
- Cannot update app on iOS 16
- Login verification code sent to wrong phone number
- Virtual card blocking without proper unlock mechanism
- Payment processing hangs for extended periods
- Technical maintenance windows lasting 30+ hours with no service
- macOS app has missing input fields and buttons
- Euro currency payments not processing
- Decimal input not supported in currency exchange
- History filter and date range selection not intuitive
- Weekend transaction history not displaying
Requested features
13 requests- Add comment/memo field for QR code transfers
- Relocate QR scanner to more accessible location
- Enable phone number change for non-residents without visiting branch
- Add Apple Pay and Google Pay integration
- Implement monthly expense summary on home screen
Show 8 moreShow fewer
- Push notifications for OTP codes instead of email
- Card lock/unlock functionality
- Alphabetically sorted bank list for international transfers
- Monthly spending analytics and reports
- SWIFT transfer documentation clarification
- Support for decimal amounts in currency exchange
- Display exchange rates before entering amount
- Add incoming transaction history (not just outgoing)
In-app purchases
Optima24
No in-app purchases
BakAi
No in-app purchases
