# Optima24 vs BakAi

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.

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.

## The numbers

| Metric | Optima24 | BakAi |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.5 (199 ratings)](https://appshunter.io/ios/app/optima24/id1021852052/reviews) | **[4.7 (381 ratings)](https://appshunter.io/ios/app/bakai/id1294108123/reviews)** |
| Number of ratings | 199 | **381** |
| Positive reviews | 50.0% of reviews | **50.8% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 4 weeks |
| Monetization | Free | Free |
| Size | 358 MB | 272 MB |
| Requires iOS | 15.6 | **14** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Optima Bank OAO](https://appshunter.io/developer/1575934233) | [OJSC BAKAI BANK](https://appshunter.io/developer/1205363870) |

## 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


### BakAi

[App page](https://appshunter.io/ios/app/bakai/id1294108123)

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.

**Highlights:** 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

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

**In-app purchases:** none

**What reviewers like**

- 👍 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

**What reviewers complain about**

- 🐛 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

**Reported bugs**

- 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

**Requested features**

- 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


## Frequently asked questions

### Is Optima24 free?

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

### Is BakAi free?

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

### Which has better reviews, Optima24 or BakAi?

BakAi is rated higher. Optima24 averages 3.5 out of 5 from 199 ratings, while BakAi averages 4.7 from 381 ratings.

### Do Optima24 or BakAi have ads?

Neither Optima24 nor BakAi shows ads.

### Which is updated more often, Optima24 or BakAi?

Optima24 ships an update every 2 weeks, and BakAi every 4 weeks. Most recently, Optima24 was updated on September 23, 2026 and BakAi on September 21, 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.*