# Мой О! + Банк vs Simbank

The clearest difference is review sentiment: Simbank at 55% against Мой О! + Банк's 23%. Simbank also leads on rating (4.7 vs 4.5). On price, ratings volume, update cadence and ads there is nothing between them.

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

Simbank holds the better App Store score, 4.7 against 4.5. Both are backed by a comparable volume of ratings — 473 and 202 respectively. Written reviews point the same way: 23% of Мой О! + Банк's written reviews are positive against 55% of Simbank's.

Мой О! + Банк ships an update fortnightly, Simbank weekly. The most recent releases landed on September 22, 2026 and September 23, 2026 respectively.

## The numbers

| Metric | Мой О! + Банк | Simbank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.5 (473 ratings)](https://appshunter.io/ios/app/plus/id1257075492/reviews) | **[4.7 (202 ratings)](https://appshunter.io/ios/app/simbank/id6499126462/reviews)** |
| Number of ratings | **473** | 202 |
| Positive reviews | 22.9% of reviews | **54.5% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | Yes |
| Update frequency | Fortnightly | **Weekly** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 293 MB | 420 MB |
| Requires iOS | 16.0 | 16.0 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 17+ |
| Developer | [NUR Telecom LLC](https://appshunter.io/developer/1202124575) | [Dos Credobank](https://appshunter.io/developer/1265499317) |

## 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


### Simbank

[App page](https://appshunter.io/ios/app/simbank/id6499126462)

This mobile banking app offers a convenient way to manage finances, access credit, and make payments. Enjoy features like cashback, savings accounts with interest, and commission-free transactions. It simplifies banking procedures with a user-friendly interface and secure services.

**Highlights:** Online credit up to 200,000 сом, Cashback up to 20%, Savings accounts with 7% annual interest, Commission-free payments and transfers, Deposit accounts with up to 14% annual interest, Card management and security features, 24/7 customer support

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

**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 Simbank free?

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

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

Simbank is rated higher. Мой О! + Банк averages 4.5 out of 5 from 473 ratings, while Simbank averages 4.7 from 202 ratings.

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

Both Мой О! + Банк and Simbank show ads.

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

Мой О! + Банк ships an update fortnightly, and Simbank weekly. Most recently, Мой О! + Банк was updated on September 22, 2026 and Simbank on September 23, 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.*