# Optima24 vs Элкарт Мобайл

The clearest difference is rating: Optima24 at 3.5 against Элкарт Мобайл's 2.8. Optima24 also leads on review sentiment (49% vs 13%) and ratings volume (203 vs 12). Элкарт Мобайл's advantage is iOS requirement (13.0 vs 15.6). On price, ads, in-app purchases and monetization model there is nothing between them.

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 2.8. That said, the two scores are not equally well evidenced: Optima24 has 203 ratings behind it against 12, so its average is the more settled of the two. Written reviews point the same way: 49% of Optima24's written reviews are positive against 13% of Элкарт Мобайл's.

Optima24 ships an update every 2 weeks, Элкарт Мобайл monthly. Both last shipped on November 11, 2026.

## The numbers

| Metric | Optima24 | Элкарт Мобайл |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.5 (203 ratings)](https://appshunter.io/ios/app/optima24/id1021852052/reviews)** | [2.8 (12 ratings)](https://appshunter.io/ios/app/id1310526303/reviews) |
| Number of ratings | **203** | 12 |
| Positive reviews | **48.7% of reviews** | 13.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Monthly |
| Monetization | Free | Free |
| Size | 351 MB | 167 MB |
| Requires iOS | 15.6 | **13.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Optima Bank OAO](https://appshunter.io/developer/1575934233) | [ЗАО "МПЦ"/ IPC Closed JSC](https://appshunter.io/developer/1310526302) |

## What reviewers say

### Optima24

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

Manage your finances with this secure and advanced mobile application. It offers instant transfers, bill payments, online loans, and account management. Access discounts and foreign currency accounts easily.

**Highlights:** Instant card transfers, International Visa2Visa transfers, Interbank transfers, Online loan and deposit services, Bill and utility payments, Foreign currency accounts, Transaction history and statements

**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


### Элкарт Мобайл

[App page](https://appshunter.io/ios/app/id1310526303)

Manage your Elkart payment card for 24/7 online transactions. Easily pay third parties, transfer funds between cards or by phone number, and view your transaction history and card balance.

**Highlights:** Link Elkart card, Pay services from Elkart card, Card-to-card transfers, Transfers by phone number, Transfers by QR code, View card balance, View transaction history

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Optima24 free?

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

### Is Элкарт Мобайл free?

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

### Which has better reviews, Optima24 or Элкарт Мобайл?

Optima24 is rated higher. Optima24 averages 3.5 out of 5 from 203 ratings, while Элкарт Мобайл averages 2.8 from 12 ratings.

### Do Optima24 or Элкарт Мобайл have ads?

Neither Optima24 nor Элкарт Мобайл shows ads.

### Which is updated more often, Optima24 or Элкарт Мобайл?

Optima24 ships an update every 2 weeks, and Элкарт Мобайл monthly. Most recently, Optima24 was updated on November 11, 2026 and Элкарт Мобайл on November 11, 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.*