# Optima24 vs Pay24

Optima24 and Pay24 are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Both ship on a similar rhythm, roughly fortnightly. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | Optima24 | Pay24 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.5 (199 ratings)](https://appshunter.io/ios/app/optima24/id1021852052/reviews)** | — |
| Number of ratings | **199** | — |
| Positive reviews | 49.1% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Fortnightly | Fortnightly |
| Monetization | Free | — |
| Size | 353 MB | 41 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) | [OsOO Pay24](https://appshunter.io/developer/1536527594) |

## 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, loan and deposit management, and currency account opening. Access discount catalogs and manage card limits easily.

**Highlights:** Instant card transfers, International Visa2Visa transfers, Interbank transfers, E-wallet and card top-ups, Mobile balance top-ups, Online loans and deposits, Utility and government service payments, Foreign currency accounts

**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


### Pay24

[App page](https://appshunter.io/ios/app/pay24/id1536527592)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Optima24 free?

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

### Is Pay24 free?

Pay24 is free to download, with no in-app purchases.

### Do Optima24 or Pay24 have ads?

Neither Optima24 nor Pay24 shows ads.

### Which is updated more often, Optima24 or Pay24?

Optima24 ships an update fortnightly, and Pay24 fortnightly. Most recently, Optima24 was updated on November 1, 2026 and Pay24 on November 3, 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.*