# Мой О! + Банк vs BakAi

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.

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 27, 2026 and September 26, 2026 respectively.

## The numbers

| Metric | Мой О! + Банк | BakAi |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.5 (473 ratings)](https://appshunter.io/ios/app/plus/id1257075492/reviews) | **[4.7 (381 ratings)](https://appshunter.io/ios/app/bakai/id1294108123/reviews)** |
| Number of ratings | **473** | 381 |
| Positive reviews | 22.9% of reviews | **50.8% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Fortnightly** | Every 4 weeks |
| Monetization | Free with in-app purchases | **Free** |
| Size | 293 MB | 272 MB |
| Requires iOS | 16.0 | **14** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [NUR Telecom LLC](https://appshunter.io/developer/1202124575) | [OJSC BAKAI BANK](https://appshunter.io/developer/1205363870) |

## What reviewers say

### Мой О! + Банк

[App page](https://appshunter.io/ios/app/plus/id1257075492)

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.

**Highlights:** 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

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Convenient terminals nearby
- 👍 Balance top-up without commission
- 👍 Can view package balance
- 👍 Good functionality (older review)
- 👍 Fast and functional (older review)

**What reviewers complain about**

- 🐛 Slow download/upload speeds
- 🐛 Frequent service outages
- 🐛 Unreliable internet connection
- 🐛 Money deducted without reason
- 🐛 Difficult money withdrawal

**Reported bugs**

- 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

**Requested features**

- 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


### BakAi

[App page](https://appshunter.io/ios/app/bakai/id1294108123)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 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

**What reviewers complain about**

- 🐛 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

**Reported bugs**

- 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

**Requested features**

- 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


## Frequently asked questions

### Is Мой О! + Банк free?

Мой О! + Банк is free to download, with no in-app purchases.

### Is BakAi free?

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

### Which has better reviews, Мой О! + Банк or BakAi?

BakAi is rated higher. Мой О! + Банк averages 4.5 out of 5 from 473 ratings, while BakAi averages 4.7 from 381 ratings.

### Do Мой О! + Банк or BakAi have ads?

Мой О! + Банк shows ads; BakAi does not.

### Which is updated more often, Мой О! + Банк or BakAi?

Мой О! + Банк ships an update fortnightly, and BakAi every 4 weeks. Most recently, Мой О! + Банк was updated on September 27, 2026 and BakAi on September 26, 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.*