# OptimumBank Personal Mobile vs Charidy Tap

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.

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

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.

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.

## The numbers

| Metric | OptimumBank Personal Mobile | Charidy Tap |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (37 ratings)](https://appshunter.io/ios/app/optimumbank-personal-mobile/id1114545966/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/charidy-tap/id6517348546/reviews)** |
| Number of ratings | **37** | 1 |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 4 months | **Every 4 days** |
| Monetization | Ad-supported | **Free** |
| Size | 64 MB | 25 MB |
| Requires iOS | **15.0** | 16.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [OptimumBank](https://appshunter.io/developer/1114545965) | [Charidy Inc](https://appshunter.io/developer/1412106541) |

## What reviewers say

### OptimumBank Personal Mobile

[App page](https://appshunter.io/ios/app/optimumbank-personal-mobile/id1114545966)

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:** macOS Compatibility

**In-app purchases:** none


### Charidy Tap

[App page](https://appshunter.io/ios/app/charidy-tap/id6517348546)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked 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.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*