# Мой О! + Банк vs KICB

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.

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.

## The numbers

| Metric | Мой О! + Банк | KICB |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (473 ratings)](https://appshunter.io/ios/app/plus/id1257075492/reviews)** | [3.4 (27 ratings)](https://appshunter.io/ios/app/kicb/id1600444808/reviews) |
| Number of ratings | **473** | 27 |
| Positive reviews | 22.9% of reviews | **26.5% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Fortnightly | Fortnightly |
| Monetization | Free with in-app purchases | **Free** |
| Size | 293 MB | 332 MB |
| Requires iOS | 16.0 | **15.6** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [NUR Telecom LLC](https://appshunter.io/developer/1202124575) | [KICB](https://appshunter.io/developer/945826313) |

## 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


### KICB

[App page](https://appshunter.io/ios/app/kicb/id1600444808)

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.

**Highlights:** 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

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Мой О! + Банк free?

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

### Is KICB free?

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

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

Мой О! + Банк is rated higher. Мой О! + Банк averages 4.5 out of 5 from 473 ratings, while KICB averages 3.4 from 27 ratings.

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

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

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

Мой О! + Банк ships an update fortnightly, and KICB fortnightly. Most recently, Мой О! + Банк was updated on September 22, 2026 and KICB on September 21, 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.*