# Optima24 vs KICB

Optima24 and KICB both sit at 3.5 stars, but that hides the real split: 50% of Optima24's written reviews are positive against 26% of KICB's. Optima24 also leads on ratings volume (199 vs 27). On price, rating, update cadence 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.

On the App Store both sit at effectively the same score — 3.5 for Optima24 against 3.4 for KICB. That said, the two scores are not equally well evidenced: Optima24 has 199 ratings behind it against 27, so its average is the more settled of the two. Written reviews are what separate them: 50% of Optima24's written reviews are positive against 26% of KICB's.

Optima24 ships an update every 2 weeks, KICB fortnightly. The most recent releases landed on October 15, 2026 and October 12, 2026 respectively.

## The numbers

| Metric | Optima24 | KICB |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.5 (199 ratings)](https://appshunter.io/ios/app/optima24/id1021852052/reviews)** | [3.4 (27 ratings)](https://appshunter.io/ios/app/kicb/id1600444808/reviews) |
| Number of ratings | **199** | 27 |
| Positive reviews | **49.6% of reviews** | 26.5% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Fortnightly |
| Monetization | Free | Free |
| Size | 350 MB | 332 MB |
| Requires iOS | 15.6 | 15.6 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Optima Bank OAO](https://appshunter.io/developer/1575934233) | [KICB](https://appshunter.io/developer/945826313) |

## 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


### KICB

[App page](https://appshunter.io/ios/app/kicb/id1600444808)

Manage your bank accounts and perform various financial transactions 24/7 through a mobile application. Send money, open deposits, apply for loans, and manage your cards with ease.

**Highlights:** Instant money transfers by phone number, Transfers to other banks' cards and accounts, Online deposit opening, Online loan application, Online bank card ordering, Card limit management, Card blocking/unblocking, Scheduled payments

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Optima24 free?

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

### Is KICB free?

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

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

Optima24 is rated higher. Optima24 averages 3.5 out of 5 from 199 ratings, while KICB averages 3.4 from 27 ratings.

### Do Optima24 or KICB have ads?

Neither Optima24 nor KICB shows ads.

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

Optima24 ships an update every 2 weeks, and KICB fortnightly. Most recently, Optima24 was updated on October 15, 2026 and KICB on October 12, 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.*