# Optima24 vs KKB

The clearest difference is rating: KKB at 4.1 against Optima24's 3.5. Optima24's advantage is review sentiment (50% vs 21%) and ratings volume (199 vs 9). On price, update cadence, ads 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.

KKB holds the better App Store score, 4.1 against 3.5. That said, the two scores are not equally well evidenced: Optima24 has 199 ratings behind it against 9, so its average is the more settled of the two. Written reviews complicate that: 50% of Optima24's written reviews are positive against 21% of KKB's, so the app with the better star average is not the one people write more warmly about.

Optima24 ships an update every 2 weeks, KKB every 3 weeks. The most recent releases landed on October 15, 2026 and October 9, 2026 respectively.

## The numbers

| Metric | Optima24 | KKB |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.5 (199 ratings)](https://appshunter.io/ios/app/optima24/id1021852052/reviews) | **[4.1 (9 ratings)](https://appshunter.io/ios/app/kkb/id1522841048/reviews)** |
| Number of ratings | **199** | 9 |
| Positive reviews | **49.6% of reviews** | 21.4% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 3 weeks |
| Monetization | Free | Free |
| Size | 350 MB | 283 MB |
| Requires iOS | 15.6 | **15.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Optima Bank OAO](https://appshunter.io/developer/1575934233) | [KKB IBC](https://appshunter.io/developer/1522841050) |

## 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


### KKB

[App page](https://appshunter.io/ios/app/kkb/id1522841048)

Manage your bank accounts, cards, and finances on the go. Pay bills, apply for new cards, and get instant support through the in-app chat. Stay updated with currency exchange rates and find nearby bank branches.

**Highlights:** Card balance and transaction monitoring, Commission-free bill payments, Online debit card application, 24/7 online chat support, Card-to-card transfers, Currency exchange rates, ATM and branch locator

**In-app purchases:** none


## Frequently asked questions

### Is Optima24 free?

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

### Is KKB free?

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

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

KKB is rated higher. Optima24 averages 3.5 out of 5 from 199 ratings, while KKB averages 4.1 from 9 ratings.

### Do Optima24 or KKB have ads?

Neither Optima24 nor KKB shows ads.

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

Optima24 ships an update every 2 weeks, and KKB every 3 weeks. Most recently, Optima24 was updated on October 15, 2026 and KKB on October 9, 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.*