Мой О! + Банк vs KICB
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
KICB
Manage your bank accounts and perform various financial transactions 24/7 through a mobile application. Send money, open deposits, apply for loans, and manage your cards with ease.
- Instant money transfers by phone number
- Transfers to other banks' cards and accounts
- Online deposit opening
- Online loan application
- Online bank card ordering
- Card limit management
- Card blocking/unblocking
- Scheduled payments
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Это новый продукт ЗАО «КИКБ» позволяющий осуществлять банковские операции в режиме 24/7 посредством мобильного приложения системы «i-bank». Возможности мобильного банкинга системы «i-bank»: • Мгновенные денежные переводы клиентам KICB по номеру телефона; • Денежные переводы на карты и счета других банков (ЭЛКАРТ, клиринг / гросс / swift); • Онлайн открытие депозита; • Онлайн запрос на получение кредита; • Заказ банковской карты онлайн; • Подключение / отключение SMS-услуг, интернет платежей по карте; • Самостоятельное изменение лимитов по карте; • Самостоятельная блокировка/разблокировка карт • Возможность настроить платежи по расписанию; • Бронирование сейфовой ячейки; • Онлайн заявка на приобретение облигаций; • Возможность оплатить более 300 услуг и т.д. Подключение происходит в отделениях Банка, а также есть функция самостоятельной регистрации с помощью банковской карты. Колл-Центр: +996 312 620101 +996 553 620101 +996 774 620101 +996 704 620101
Screenshots
Verdict
The clearest difference is rating: Мой О! + Банк at 4.5 against KICB's 3.4. Мой О! + Банк also leads on ratings volume (473 vs 27). KICB's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, review sentiment, 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.
Мой О! + Банк holds the better App Store score, 4.5 against 3.4. That said, the two scores are not equally well evidenced: Мой О! + Банк has 473 ratings behind it against 27, so its average is the more settled of the two. Written reviews complicate that: 23% of Мой О! + Банк's written reviews are positive against 26% of KICB's, so the app with the better star average is not the one people write more warmly about.
Both ship on a similar rhythm, roughly fortnightly. The most recent releases landed on September 22, 2026 and September 21, 2026 respectively.
| Parameter | Мой О! + Банк | KICB |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (473 ratings) — better | 3.4 (27 ratings) |
| Positive reviews | 22.9% of reviews | 26.5% of reviews — better |
| Number of ratings | 473 — better | 27 |
| Update frequency | Fortnightly | Fortnightly |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone | iPhone, iPod — better |
| Requires iOS | 16.0 | 15.6 — better |
| Further details — not scored | ||
| Size | 293 MB | 332 MB |
| Age rating | 4+ | 4+ |
| Developer | NUR Telecom LLC | KICB |
Customer experience
Мой О! + Банк
KICB
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
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- 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
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- Categorize payment providers with logos
- Alphabetical sorting of payment providers
KICB
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Мой О! + Банк
No in-app purchases
KICB
No in-app purchases
