# Мой О! + Банк vs Zero

The clearest difference is review sentiment: Zero at 80% against Мой О! + Банк's 24%. Zero also leads on ads (none vs shown) and monetization model (ad-supported vs free with in-app purchases). Мой О! + Банк's advantage is rating (4.5 vs 2.3) and ratings volume (476 vs 3). On price, update cadence, in-app purchases and device support 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 2.3. That said, the two scores are not equally well evidenced: Мой О! + Банк has 476 ratings behind it against 3, so its average is the more settled of the two. Written reviews complicate that: 24% of Мой О! + Банк's written reviews are positive against 80% of Zero's, so the app with the better star average is not the one people write more warmly about.

Мой О! + Банк ships an update every 2 weeks, Zero every 3 weeks. The most recent releases landed on October 17, 2026 and October 11, 2026 respectively.

## The numbers

| Metric | Мой О! + Банк | Zero |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (476 ratings)](https://appshunter.io/ios/app/plus/id1257075492/reviews)** | [2.3 (3 ratings)](https://appshunter.io/ios/app/zero/id6738506887/reviews) |
| Number of ratings | **476** | 3 |
| Positive reviews | 24.5% of reviews | **80.0% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Every 2 weeks** | Every 3 weeks |
| Monetization | Free with in-app purchases | **Ad-supported** |
| Size | 298 MB | 204 MB |
| Requires iOS | 16.0 | **15.5** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [NUR Telecom LLC](https://appshunter.io/developer/1202124575) | [Technologia CA](https://appshunter.io/developer/1781062573) |

## 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


### Zero

[App page](https://appshunter.io/ios/app/zero/id6738506887)

Purchase items now and pay in installments with zero interest and no down payment. Easily apply for a credit limit through the app and manage all your purchases and payments in one place. Access a wide network of partners for various goods and services.

**Highlights:** 0% interest and down payment, Wide network of partner stores, Easy online registration and limit approval, Catalog and map view of partners, Simple financial control and payment tracking, 24/7 multi-channel customer support

**Features:** macOS Compatibility, 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 Zero free?

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

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

Мой О! + Банк is rated higher. Мой О! + Банк averages 4.5 out of 5 from 476 ratings, while Zero averages 2.3 from 3 ratings.

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

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

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

Мой О! + Банк ships an update every 2 weeks, and Zero every 3 weeks. Most recently, Мой О! + Банк was updated on October 17, 2026 and Zero on October 11, 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.*