# Optima24 vs Zero

The clearest difference is rating: Optima24 at 3.5 against Zero's 2.3. Optima24 also leads on ratings volume (199 vs 3) and monetization model (free vs ad-supported). Zero's advantage is review sentiment (80% vs 50%). 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.

Optima24 holds the better App Store score, 3.5 against 2.3. That said, the two scores are not equally well evidenced: Optima24 has 199 ratings behind it against 3, so its average is the more settled of the two. Written reviews complicate that: 50% of Optima24's written reviews are positive against 80% of Zero's, so the app with the better star average is not the one people write more warmly about.

Both ship on a similar rhythm, roughly every 2 weeks. The most recent releases landed on September 23, 2026 and September 9, 2026 respectively.

## The numbers

| Metric | Optima24 | Zero |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.5 (199 ratings)](https://appshunter.io/ios/app/optima24/id1021852052/reviews)** | [2.3 (3 ratings)](https://appshunter.io/ios/app/zero/id6738506887/reviews) |
| Number of ratings | **199** | 3 |
| Positive reviews | 50.0% of reviews | **80.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 weeks | Every 2 weeks |
| Monetization | **Free** | Ad-supported |
| Size | 358 MB | 195 MB |
| Requires iOS | 15.6 | **15.5** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Optima Bank OAO](https://appshunter.io/developer/1575934233) | [Technologia CA](https://appshunter.io/developer/1781062573) |

## 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


### Zero

[App page](https://appshunter.io/ios/app/zero/id6738506887)

Purchase items now and pay in installments with zero interest and no down payment. Easily apply for a credit limit through the app and manage all your purchases and payments in one place. Access a wide network of partners for various goods and services.

**Highlights:** 0% interest and down payment, Wide network of partner stores, Easy online registration and limit approval, Catalog and map view of partners, Simple financial control and payment tracking, 24/7 multi-channel customer support

**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 Zero free?

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

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

Optima24 is rated higher. Optima24 averages 3.5 out of 5 from 199 ratings, while Zero averages 2.3 from 3 ratings.

### Do Optima24 or Zero have ads?

Neither Optima24 nor Zero shows ads.

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

Optima24 ships an update every 2 weeks, and Zero every 2 weeks. Most recently, Optima24 was updated on September 23, 2026 and Zero on September 9, 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.*