# Optima24 vs Simbank

The clearest difference is rating: Simbank at 4.7 against Optima24's 3.5. Optima24's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, review sentiment, ratings volume and update cadence there is nothing between them.

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

Simbank holds the better App Store score, 4.7 against 3.5. Both are backed by a comparable volume of ratings — 199 and 202 respectively. Written reviews point the same way: 50% of Optima24's written reviews are positive against 55% of Simbank's.

Optima24 ships an update every 2 weeks, Simbank weekly. Both last shipped on September 23, 2026.

## The numbers

| Metric | Optima24 | Simbank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.5 (199 ratings)](https://appshunter.io/ios/app/optima24/id1021852052/reviews) | **[4.7 (202 ratings)](https://appshunter.io/ios/app/simbank/id6499126462/reviews)** |
| Number of ratings | 199 | **202** |
| Positive reviews | 50.0% of reviews | **54.5% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 2 weeks | **Weekly** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 358 MB | 420 MB |
| Requires iOS | **15.6** | 16.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 17+ |
| Developer | [Optima Bank OAO](https://appshunter.io/developer/1575934233) | [Dos Credobank](https://appshunter.io/developer/1265499317) |

## 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


### Simbank

[App page](https://appshunter.io/ios/app/simbank/id6499126462)

This mobile banking app offers a convenient way to manage finances, access credit, and make payments. Enjoy features like cashback, savings accounts with interest, and commission-free transactions. It simplifies banking procedures with a user-friendly interface and secure services.

**Highlights:** Online credit up to 200,000 сом, Cashback up to 20%, Savings accounts with 7% annual interest, Commission-free payments and transfers, Deposit accounts with up to 14% annual interest, Card management and security features, 24/7 customer support

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Optima24 free?

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

### Is Simbank free?

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

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

Simbank is rated higher. Optima24 averages 3.5 out of 5 from 199 ratings, while Simbank averages 4.7 from 202 ratings.

### Do Optima24 or Simbank have ads?

Simbank shows ads; Optima24 does not.

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

Optima24 ships an update every 2 weeks, and Simbank weekly. Most recently, Optima24 was updated on September 23, 2026 and Simbank on September 23, 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.*