Мой О! + Банк vs BakAi
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Мой О! + Банк
This super app combines mobile banking, a personal account for a mobile operator, and a marketplace. It allows users to manage finances, pay bills, shop online, book flights, and earn rewards, all in one place.
- Mobile banking with accounts and cards
- Bill payments and government services
- Online marketplace with diverse goods
- Flight booking and travel deals
- Loyalty bonuses and cashback
- Personal mobile operator account management
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Мобильный банк, связь и платежи в Кыргызстане — всё в одном приложении. Карта Visa онлайн, переводы без комиссии в Казахстан и Узбекистан, оплата коммунальных услуг, кешбэк до 20%. Работает с любой SIM-картой. Банк в телефоне: карта Visa или Элкарт, кредит онлайн, депозиты и счета — без единого визита в офис. Переводы в Казахстан, в Узбекистан без комиссии, на карты Visa в 140+ стран. Получайте деньги из России через Astrasend. 2500+ сервисов без очередей: комуслуги, налоги, штрафы, патент, госуслуги, ОСАГО. Кешбэк до 20% за платежи картой O!Bank, по QR или в приложении. Связь О! и интернет Saima, 125 000+ товаров на O!Market с доставкой 24/7, авиабилеты в O!Travel и подарочные карты. Поддержка 24/7: 9999 и +996 700 000 999
BakAi
This mobile banking app offers convenient payments for various services, access to government services, and quick financial solutions like online loans and card management. It prioritizes innovative security with remote video identification.
- Convenient payments for utilities, internet, mobile, taxes, games
- Access to over ten government services
- Online loans up to 200,000 som
- Money transfers to Russia and Kazakhstan cards
- Virtual card opening and physical card ordering
- Remote video identification for security
- Account and card management
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Добро пожаловать в мир удобства и инноваций с BakAi — вашим новым мобильным банком, где каждое касание раскрывает перед вами больше возможностей. Основные функции BakAi включают: Удобные платежи: Оплачивайте широкий спектр услуг, включая коммунальные платежи, интернет, мобильную связь, налоги и даже онлайн-игры, используя переводы по номеру телефона и QR-коды. Государственные услуги: Получайте доступ к более десяти государственным услугам, включая проверку задолженности, информацию о паспорте и статус заявки, всего лишь в несколько касаний. Быстрые финансовые решения: Получите онлайн-кредиты до 200 000 сомов без походов в банк, быстрые денежные переводы на карты банков России и Казахстана, а также возможность открытия виртуальной карты или заказа карт Visa Classic, Visa Gold или Visa ИФЦ. Инновационная безопасность: Наша удаленная видеоидентификация гарантирует безопасность ваших средств 24/7. Управление счетами: Управляйте своими счетами и картами легко и удобно, следите за расходами и платежами с помощью всего одного касания. Выбирайте инновации — выбирайте BakAi. Скачайте приложение прямо сейчас и погрузитесь в новый уровень финансового удобства!
Screenshots
Verdict
The clearest difference is ads: BakAi at none against Мой О! + Банк's shown. BakAi also leads on review sentiment (51% vs 23%) and monetization model (free vs free with in-app purchases). On price, ratings volume, update cadence and in-app purchases 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.
BakAi holds the better App Store score, 4.7 against 4.5. Both are backed by a comparable volume of ratings — 473 and 381 respectively. Written reviews point the same way: 23% of Мой О! + Банк's written reviews are positive against 51% of BakAi's.
Мой О! + Банк ships an update fortnightly, BakAi every 4 weeks. The most recent releases landed on September 22, 2026 and September 21, 2026 respectively.
| Parameter | Мой О! + Банк | BakAi |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (473 ratings) | 4.7 (381 ratings) — better |
| Positive reviews | 22.9% of reviews | 50.8% of reviews — better |
| Number of ratings | 473 — better | 381 |
| Update frequency | Fortnightly — better | Every 4 weeks |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone | iPhone, iPad, iPod — better |
| Requires iOS | 16.0 | 14 — better |
| Further details — not scored | ||
| Size | 293 MB | 272 MB |
| Age rating | 4+ | 4+ |
| Developer | NUR Telecom LLC | OJSC BAKAI BANK |
Customer experience
Мой О! + Банк
BakAi
User reviews
Мой О! + Банк
From 473 App Store ratingsWhat we love
- 👍 Convenient terminals nearby
- 👍 Balance top-up without commission
- 👍 Can view package balance
- 👍 Good functionality (older review)
- 👍 Fast and functional (older review)
Room to improve
- 🐛 Slow download/upload speeds
- 🐛 Frequent service outages
- 🐛 Unreliable internet connection
- 🐛 Money deducted without reason
- 🐛 Difficult money withdrawal
BakAi
From 381 App Store ratingsWhat we love
- 👍 Intuitive and user-friendly interface
- 🚀 Fast and responsive application performance
- 💳 Convenient QR code transfer functionality
- 🌍 Excellent service for international users and non-residents
- 📧 Innovative 3DS code delivery via email for travel convenience
Room to improve
- 🐛 Frequent application crashes and freezes
- 🔐 Overly restrictive account blocking and card freezing
- 📵 Push notifications not working properly
- 🔄 Confusing and poorly explained account recovery process
- 💸 Unexplained currency conversion rate issues
Bugs and requests
Мой О! + Банк
Reported bugs
21 issues- App not working after a day
- Slow download speeds
- Identification takes hours
- Service unavailable without warning
- Unable to transfer money between balance and bank account
Show 16 moreShow fewer
- Difficulty withdrawing money from balance
- Money transfer cancellation
- Internet not working for days
- App lags and doesn't work
- Internet glitches due to frequent updates
- Robot not working offline
- Unable to donate to games
- Automatic deduction of money
- App not updating on older phones
- App not working on iOS 12.4.8
- Widget shows error
- App crashes
- App doesn't launch
- App closes unexpectedly
- No Face ID in new version
- Chat connection issues
Requested features
7 requests- Add push notifications for internet payments
- Create a separate app for 'My O' users
- Allow robot to work offline
- Add option for full English translation
- Allow adding favorite accounts/phone numbers for payments
Show 2 moreShow fewer
- Categorize payment providers with logos
- Alphabetical sorting of payment providers
BakAi
Reported bugs
15 issues- Application crashes upon opening after updates
- Cannot log in to app - stuck on authorization screen
- App crashes every 5 seconds after recent update
- QR code transfer functionality fails intermittently
- Phone number transfer feature unavailable for non-residents
Show 10 moreShow fewer
- Cannot update app on iOS 16
- Login verification code sent to wrong phone number
- Virtual card blocking without proper unlock mechanism
- Payment processing hangs for extended periods
- Technical maintenance windows lasting 30+ hours with no service
- macOS app has missing input fields and buttons
- Euro currency payments not processing
- Decimal input not supported in currency exchange
- History filter and date range selection not intuitive
- Weekend transaction history not displaying
Requested features
13 requests- Add comment/memo field for QR code transfers
- Relocate QR scanner to more accessible location
- Enable phone number change for non-residents without visiting branch
- Add Apple Pay and Google Pay integration
- Implement monthly expense summary on home screen
Show 8 moreShow fewer
- Push notifications for OTP codes instead of email
- Card lock/unlock functionality
- Alphabetically sorted bank list for international transfers
- Monthly spending analytics and reports
- SWIFT transfer documentation clarification
- Support for decimal amounts in currency exchange
- Display exchange rates before entering amount
- Add incoming transaction history (not just outgoing)
In-app purchases
Мой О! + Банк
No in-app purchases
BakAi
No in-app purchases
