# BakAi vs Pay24

BakAi and Pay24 are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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

BakAi ships an update every 4 weeks, Pay24 fortnightly. The most recent releases landed on November 6, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | BakAi | Pay24 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (393 ratings)](https://appshunter.io/ios/app/bakai/id1294108123/reviews)** | — |
| Number of ratings | **393** | — |
| Positive reviews | 49.6% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 weeks | **Fortnightly** |
| Monetization | Free | — |
| Size | 275 MB | 41 MB |
| Requires iOS | 15.5 | **15.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [OJSC BAKAI BANK](https://appshunter.io/developer/1205363870) | [OsOO Pay24](https://appshunter.io/developer/1536527594) |

## What reviewers say

### BakAi

[App page](https://appshunter.io/ios/app/bakai/id1294108123)

This mobile banking app offers convenient payments for utilities, taxes, and online games. It provides access to government services, quick online loans, and international money transfers. Securely manage your accounts and cards with advanced features.

**Highlights:** Convenient payments for utilities, taxes, and games, Access to government services, Online loans up to 200,000 som, International money transfers, Virtual and physical card options, Secure account management

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support, iPhone Duo support

**In-app purchases:** none

**What reviewers like**

- 👍 Intuitive and user-friendly interface
- 🚀 Fast and responsive application performance
- 💳 Convenient QR code transfer functionality
- 🌍 Excellent service for international users and non-residents
- 📧 Innovative 3DS code delivery via email for travel convenience

**What reviewers complain about**

- 🐛 Frequent application crashes and freezes
- 🔐 Overly restrictive account blocking and card freezing
- 📵 Push notifications not working properly
- 🔄 Confusing and poorly explained account recovery process
- 💸 Unexplained currency conversion rate issues

**Reported bugs**

- Application crashes upon opening after updates
- Cannot log in to app - stuck on authorization screen
- App crashes every 5 seconds after recent update
- QR code transfer functionality fails intermittently
- Phone number transfer feature unavailable for non-residents

**Requested features**

- Add comment/memo field for QR code transfers
- Relocate QR scanner to more accessible location
- Enable phone number change for non-residents without visiting branch
- Add Apple Pay and Google Pay integration
- Implement monthly expense summary on home screen


### Pay24

[App page](https://appshunter.io/ios/app/pay24/id1536527592)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is BakAi free?

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

### Is Pay24 free?

Pay24 is free to download, with no in-app purchases.

### Do BakAi or Pay24 have ads?

Neither BakAi nor Pay24 shows ads.

### Which is updated more often, BakAi or Pay24?

BakAi ships an update every 4 weeks, and Pay24 fortnightly. Most recently, BakAi was updated on November 6, 2026 and Pay24 on November 3, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*