# Optima24 vs MBusiness

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.

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

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.

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.

## The numbers

| Metric | Optima24 | MBusiness |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.5 (199 ratings)](https://appshunter.io/ios/app/optima24/id1021852052/reviews) | **[4.6 (7 ratings)](https://appshunter.io/ios/app/mbusiness/id1669393858/reviews)** |
| Number of ratings | **199** | 7 |
| Positive reviews | **50.0% of reviews** | 33.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Every 9 days** |
| Monetization | Free | Free |
| Size | 358 MB | 150 MB |
| Requires iOS | 15.6 | **15.5** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Optima Bank OAO](https://appshunter.io/developer/1575934233) | [MBANK, OAO](https://appshunter.io/developer/966465279) |

## 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


### MBusiness

[App page](https://appshunter.io/ios/app/mbusiness/id1669393858)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked 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.

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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.*