# Мой О! + Банк vs BAKAI

The clearest difference is ads: BAKAI at none against Мой О! + Банк's shown. BAKAI also leads on update cadence (every 3 days vs fortnightly). On price, in-app purchases, device support and iOS requirement 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 ships an update fortnightly, BAKAI every 3 days. The most recent releases landed on October 1, 2026 and September 20, 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)** | — |
| Number of ratings | **473** | — |
| Positive reviews | 22.9% of reviews | — |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Fortnightly | **Every 3 days** |
| Monetization | Free with in-app purchases | — |
| Size | 293 MB | 245 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone | **iPhone, 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/id6755689540)

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

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

### 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 3 days. Most recently, Мой О! + Банк was updated on October 1, 2026 and BAKAI on September 20, 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.*