Comparison

Optima24 vs MBusiness

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head

Optima24

Free

💰 Finance

★ 3.5199 ratingsView app →

MBusiness

Free

💰 Finance

★ 4.67 ratingsView app →

About

Optima24

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

Read full description

Optima24 - Удобное, безопасное и технологичное мобильное приложение для управления финансами самостоятельно. Мы предлагаем : • Моментальные переводы внутри карт Банка без комиссии; • Моментальные переводы Visa2Visa на платежные карты Visa других стран мира; • Межбанковские переводы; • Пополнение электронных кошельков и карт других банков; • Пополнение баланса сотовых операторов без комиссии; • Онлайн кредит; • Онлайн депозит; • Оплата за коммунальные, государственные и муниципальные услуги; • Открытие онлайн счета в иностранной валюте на выбор; • Управление лимитами и настройками самостоятельно в приложении; • Формирование выписки по карточному счету абсолютно бесплатно; • Доступ к каталогу скидок по платежным картам Банка. Оптима24 - лучший помощник в мир финансов!

About

MBusiness

This app is an online bank designed for entrepreneurs. It offers quick online account opening, payment processing, and financial management tools to help businesses save time and grow sales. It provides features like QR payments, unlimited free transfers, and integration with accounting software.

Highlights

Online account opening for sole proprietors
QR code payment acceptance
Free unlimited transfers
Business debit card
Online accounting services
Online government services
Currency exchange
1C integration

Features

Read full description

MBusiness - это MBANK для предпринимателей. Откройте счет для ИП онлайн всего за 1 минуту, или зарегистрируйтесь в качестве директора, бухгалтера и другой роли в компании. Для бизнеса любого размера - начинающих предпринимателей, больших компаний и бухгалтеров - MBusiness поможет экономить время и развивать продажи. Сфокусируйтесь на важном, все остальное оставьте MBusiness: 1. Прием платежей по QR Оплата через MBank и любые другие приложения БЕСПЛАТНО и мгновенно от клиентов MBANK 2. Переводы на MBank БЕСПЛАТНО и быстро с расчетного или карточного счета 3. Карта MBusiness Для пополнения счета, снятия наличных и оплаты товаров и услуг для бизнеса. Выпуск карты и обслуживание в первый год БЕСПЛАТНО Снятие наличных для ИП - БЕСПЛАТНО, для ОсОО - всего 0,2% 4. Безграничные платежи и переводы ГРОСС, клиринг, SWIFT в другие страны мира Платежи и переводы в сомах для ИП - БЕСПЛАТНО и БЕЗЛИМИТНО 5. Онлайн-бухгалтерия - БЕСПЛАТНО для первых 500 клиентов Расчет и оплата налогов, формирование и отправка электронных отчетов Кадровый учет, если у вас есть сотрудники Выделенный бухгалтер-помощник 6. Госуслуги онлайн и БЕСПЛАТНО Проверка задолженности Оплата налогов и штрафов Таможенные платежи 7. Обмен валюты Конвертация по выгодному курсу 8. Прямая интеграция с 1С ЭКСКЛЮЗИВНО в Кыргызстане - только в MBusiness Услуги кредитования доступны для индивидуальных предпринимателей и организаций, официально зарегистрированных на территории Кыргызской Республики. MBusiness - онлайн-банк для предпринимателей, которые ценят свое время. https://mbank.kg/mbusiness

Screenshots

Optima244 screens

MBusiness4 screens

Verdict

The call

The clearest difference is rating: MBusiness at 4.6 against Optima24's 3.5. Optima24's advantage is ratings volume (199 vs 7) and review sentiment (50% vs 33%). On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

MBusiness holds the better App Store score, 4.6 against 3.5. That said, the two scores are not equally well evidenced: Optima24 has 199 ratings behind it against 7, so its average is the more settled of the two. Written reviews complicate that: 50% of Optima24's written reviews are positive against 33% of MBusiness's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Optima24 ships an update every 2 weeks, MBusiness every 9 days. The most recent releases landed on September 23, 2026 and September 25, 2026 respectively.

Scorecard3 real differences · 7 level

Optima24 versus MBusiness: the parameters behind the verdict, then further details
Parameter	Optima24	MBusiness
Price	Free	Free
Rating	3.5 (199 ratings)	4.6 (7 ratings) — better
Positive reviews	50.0% of reviews — better	33.3% of reviews
Number of ratings	199 — better	7
Update frequency	Every 2 weeks	Every 9 days — better
Ads	No	No
In-app purchases	No	No
Monetization	Free	Free
Devices	iPhone, iPod	iPhone, iPad, iPod — better
Requires iOS	15.6	15.5 — better
Further details — not scored
Size	358 MB	150 MB
Age rating	4+	4+
Developer	Optima Bank OAO	MBANK, OAO

Customer experience

Optima24

All ratings199 ratings

Positive61.3%

Neutral5.0%

Negative33.7%

Written reviews114 reviews

Positive50.0%

Neutral5.3%

Negative44.7%

MBusiness

All ratings7 ratings

Positive85.7%

Neutral0.0%

Negative14.3%

Written reviews9 reviews

Positive33.3%

Neutral11.1%

Negative55.6%

Bugs and requests

Optima24

Reported bugs

11 issues

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

Show 6 more

Payment history not displaying
Balance not showing on cards
Session timeout after 1 minute requiring re-login
PIN code resets unexpectedly
Camera scanner crashes on card scanning
Incorrect display of transaction amounts in different currencies

Requested features

6 requests

Apple Pay integration
QR code scanning and payment functionality
Dollar-denominated deposits
Template saving for transfers
Improved multi-currency account handling

Show 1 more

Reduced frequency of technical maintenance windows

MBusiness

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Optima24

No in-app purchases

None

MBusiness

No in-app purchases

Questions

Is Optima24 free?

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

Is MBusiness free?

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

Which has better reviews, Optima24 or MBusiness?

MBusiness is rated higher. Optima24 averages 3.5 out of 5 from 199 ratings, while MBusiness averages 4.6 from 7 ratings.

Do Optima24 or MBusiness have ads?

Neither Optima24 nor MBusiness shows ads.

Which is updated more often, Optima24 or MBusiness?

Optima24 ships an update every 2 weeks, and MBusiness every 9 days. Most recently, Optima24 was updated on September 23, 2026 and MBusiness on September 25, 2026.