# Optima24 vs АЮ Гарант

The clearest difference is update cadence: Optima24 at fortnightly against АЮ Гарант's monthly. On price, ads, in-app purchases and device support there is nothing between them.

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

Optima24 ships an update fortnightly, АЮ Гарант monthly. The most recent releases landed on November 1, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | Optima24 | АЮ Гарант |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.5 (199 ratings)](https://appshunter.io/ios/app/optima24/id1021852052/reviews)** | — |
| Number of ratings | **199** | — |
| Positive reviews | 49.1% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Monthly |
| Monetization | Free | — |
| Size | 353 MB | 39 MB |
| Requires iOS | 15.6 | 15.6 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Optima Bank OAO](https://appshunter.io/developer/1575934233) | [Osmon Karabaev](https://appshunter.io/developer/6802197042) |

## What reviewers say

### Optima24

[App page](https://appshunter.io/ios/app/optima24/id1021852052)

Manage your finances with this secure and advanced mobile application. It offers instant transfers, bill payments, loan and deposit management, and currency account opening. Access discount catalogs and manage card limits easily.

**Highlights:** Instant card transfers, International Visa2Visa transfers, Interbank transfers, E-wallet and card top-ups, Mobile balance top-ups, Online loans and deposits, Utility and government service payments, Foreign currency accounts

**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


### АЮ Гарант

[App page](https://appshunter.io/ios/app/id6744581566)

**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 АЮ Гарант free?

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

### Do Optima24 or АЮ Гарант have ads?

Neither Optima24 nor АЮ Гарант shows ads.

### Which is updated more often, Optima24 or АЮ Гарант?

Optima24 ships an update fortnightly, and АЮ Гарант monthly. Most recently, Optima24 was updated on November 1, 2026 and АЮ Гарант on October 30, 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.*