Comparison

OptimumBank Personal Mobile vs Charidy Tap

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

OptimumBank Personal Mobile

Manage your personal finances conveniently and securely 24/7 from your mobile device. Check balances, view transactions, transfer funds, deposit checks with a photo, and pay bills on the go. Locate branches and set up alerts for important account activity.

Highlights
  • Check account balances
  • View transaction history
  • Transfer money between accounts
  • Deposit checks via photo
  • Schedule and pay bills
  • Locate bank branches
  • Receive account alerts
Features
Read full description

Bank conveniently and securely 24/7 with OptimumBank’s Personal Mobile Banking. Now you can manage your personal finances anytime, anywhere - from your mobile device.  Manage Your Accounts: • Check account balances • View recent transactions, including check images • Transfer money between OptimumBank accounts • Receive alerts Deposit Checks: • Deposit checks by snapping a picture of each check • View deposit history in the app Pay Bills: • Schedule payments • View payment history • Pay other people using PopMoney • Locate an OptimumBank Branch Getting started is easy.  Simply download the app and sign on with your Personal Online Banking user credentials.  No additional bank fees apply. *For more information about OptimumBank’s Personal Mobile services, please visit www.optimumbank.com or call us at: (954) 900-2800.  *Carrier’s data rates may apply.

About

Charidy Tap

This app allows nonprofit organizations to accept credit card donations directly on their phones. It's ideal for events and on-the-go fundraising, offering quick, secure, and real-time transaction processing without requiring extra hardware.

Highlights
  • Tap to Pay donations
  • Real-time transaction processing
  • User-friendly interface
  • Secure payment processing
  • Campaign integration
  • On-the-go fundraising support
Features
Read full description

Our app empowers nonprofit organizations to seamlessly accept credit card donations by simply tapping them on your phone. Perfect for events, face-to-face donations, and on-the-go fundraising, Charidy makes it easier than ever to raise funds for your cause. Key Features: - Tap to Pay: Accept credit card payments quickly and securely with just a tap on your phone. No additional hardware required! - Real-Time Processing: Donations are processed instantly, providing immediate confirmation for donors. - User-Friendly Interface: Intuitive design ensures that you can focus on your mission, not on navigating complex systems. - Secure Transactions: Built with top-notch security protocols to protect your organization and your donors. - Campaign Integration: Easily link donations to specific fundraising campaigns and track progress in real-time. - Support On-the-Go: Receive dedicated support and assistance to ensure smooth operation of your fundraising activities.

Screenshots

OptimumBank Personal Mobile4 screens
Charidy Tap3 screens

Verdict

The call

The clearest difference is ads: Charidy Tap at none against OptimumBank Personal Mobile's shown. Charidy Tap also leads on update cadence (every 4 days vs every 4 months) and rating (5.0 vs 4.8). OptimumBank Personal Mobile's advantage is ratings volume (37 vs 1). On price, in-app purchases, device support and iOS requirement 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

Charidy Tap holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: OptimumBank Personal Mobile has 37 ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

OptimumBank Personal Mobile ships an update every 4 months, Charidy Tap every 4 days. The most recent releases landed on October 24, 2026 and October 15, 2026 respectively.

Scorecard5 real differences · 4 level
OptimumBank Personal Mobile versus Charidy Tap: the parameters behind the verdict, then further details
ParameterOptimumBank Personal MobileCharidy Tap
PriceFreeFree
Rating4.8 (37 ratings)5.0 (1 ratings) — better
Number of ratings37 — better1
Update frequencyEvery 4 monthsEvery 4 days — better
AdsYesNo — better
In-app purchasesNoNo
MonetizationAd-supportedFree — better
DevicesiPhone, iPod — betteriPhone
Requires iOS15.0 — better16.0
Further details — not scored
Size64 MB25 MB
Age rating4+4+
DeveloperOptimumBankCharidy Inc

Customer experience

OptimumBank Personal Mobile

All ratings31 ratings
Positive93.5%
Neutral3.2%
Negative3.2%

Charidy Tap

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

OptimumBank Personal Mobile

No in-app purchases

None

Charidy Tap

No in-app purchases

Questions

Is OptimumBank Personal Mobile free?
OptimumBank Personal Mobile is free to download, with no in-app purchases.
Is Charidy Tap free?
Charidy Tap is free to download, with no in-app purchases.
Which has better reviews, OptimumBank Personal Mobile or Charidy Tap?
Charidy Tap is rated higher. OptimumBank Personal Mobile averages 4.8 out of 5 from 37 ratings, while Charidy Tap averages 5.0 from 1 ratings.
Do OptimumBank Personal Mobile or Charidy Tap have ads?
OptimumBank Personal Mobile shows ads; Charidy Tap does not.
Which is updated more often, OptimumBank Personal Mobile or Charidy Tap?
OptimumBank Personal Mobile ships an update every 4 months, and Charidy Tap every 4 days. Most recently, OptimumBank Personal Mobile was updated on October 24, 2026 and Charidy Tap on October 15, 2026.

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