Optima24 vs BAKAI
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Optima24
Manage your finances with this secure and advanced mobile application. It offers instant transfers, bill payments, online loans, and account management. Access discounts and foreign currency accounts easily.
- Instant card transfers
- International Visa2Visa transfers
- Interbank transfers
- Online loan and deposit services
- Bill and utility payments
- Foreign currency accounts
- Transaction history and statements
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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!
BAKAI
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BAKAI - мобильный банк для жизни! Переводы, платежи, карты, накопления, кредиты и государственные сервисы - всё в одном приложении. Быстро. Удобно. Безопасно.
Screenshots
Verdict
The clearest difference is update cadence: BAKAI at every 5 days against Optima24's every 10 days. On price, ads, in-app purchases and device support 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Optima24 ships an update every 10 days, BAKAI every 5 days. The most recent releases landed on November 13, 2026 and November 5, 2026 respectively.
| Parameter | Optima24 | BAKAI |
|---|---|---|
| Price | Free | Free |
| Rating | 3.5 (203 ratings) — better | — |
| Positive reviews | 49.2% of reviews | — |
| Number of ratings | 203 — better | — |
| Update frequency | Every 10 days | Every 5 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.6 | 15.0 — better |
| Further details — not scored | ||
| Size | 351 MB | 245 MB |
| Age rating | 4+ | 4+ |
| Developer | Optima Bank OAO | OJSC BAKAI BANK |
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
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- 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
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- Reduced frequency of technical maintenance windows
BAKAI
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Optima24
No in-app purchases
BAKAI
No in-app purchases
