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Comparison

BakAi vs KICB

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
BakAi - мобильный банк
BakAi

Ваш умный финансовый сервис

Free
💰 Finance
★ 4.7393 ratingsView app →
KICB
KICB
Free
💰 Finance
★ 3.528 ratingsView app →
About

BakAi

This mobile banking app offers convenient payments for various services, access to government services, and quick financial solutions like online loans and card management. It prioritizes innovative security with remote video identification.

Highlights
  • Convenient payments for utilities, internet, mobile, taxes, games
  • Access to over ten government services
  • Online loans up to 200,000 som
  • Money transfers to Russia and Kazakhstan cards
  • Virtual card opening and physical card ordering
  • Remote video identification for security
  • Account and card management
Features
Read full description

Добро пожаловать в мир удобства и инноваций с BakAi — вашим новым мобильным банком, где каждое касание раскрывает перед вами больше возможностей. Основные функции BakAi включают: Удобные платежи: Оплачивайте широкий спектр услуг, включая коммунальные платежи, интернет, мобильную связь, налоги и даже онлайн-игры, используя переводы по номеру телефона и QR-коды. Государственные услуги: Получайте доступ к более десяти государственным услугам, включая проверку задолженности, информацию о паспорте и статус заявки, всего лишь в несколько касаний. Быстрые финансовые решения: Получите онлайн-кредиты до 200 000 сомов без походов в банк, быстрые денежные переводы на карты банков России и Казахстана, а также возможность открытия виртуальной карты или заказа карт Visa Classic, Visa Gold или Visa ИФЦ. Инновационная безопасность: Наша удаленная видеоидентификация гарантирует безопасность ваших средств 24/7. Управление счетами: Управляйте своими счетами и картами легко и удобно, следите за расходами и платежами с помощью всего одного касания. Выбирайте инновации — выбирайте BakAi. Скачайте приложение прямо сейчас и погрузитесь в новый уровень финансового удобства!

About

KICB

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
Read full description

Это новый продукт ЗАО «КИКБ» позволяющий осуществлять банковские операции в режиме 24/7 посредством мобильного приложения системы «i-bank». Возможности мобильного банкинга системы «i-bank»: • Мгновенные денежные переводы клиентам KICB по номеру телефона; • Денежные переводы на карты и счета других банков (ЭЛКАРТ, клиринг / гросс / swift); • Онлайн открытие депозита; • Онлайн запрос на получение кредита; • Заказ банковской карты онлайн; • Подключение / отключение SMS-услуг, интернет платежей по карте; • Самостоятельное изменение лимитов по карте; • Самостоятельная блокировка/разблокировка карт • Возможность настроить платежи по расписанию; • Бронирование сейфовой ячейки; • Онлайн заявка на приобретение облигаций; • Возможность оплатить более 300 услуг и т.д. Подключение происходит в отделениях Банка, а также есть функция самостоятельной регистрации с помощью банковской карты. Колл-Центр: +996 312 620101 +996 553 620101 +996 774 620101 +996 704 620101

Screenshots

BakAi4 screens
KICB3 screens

Verdict

The call

The clearest difference is rating: BakAi at 4.7 against KICB's 3.5. BakAi also leads on review sentiment (50% vs 26%) and ratings volume (393 vs 28). On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

BakAi holds the better App Store score, 4.7 against 3.5. That said, the two scores are not equally well evidenced: BakAi has 393 ratings behind it against 28, so its average is the more settled of the two. Written reviews point the same way: 50% of BakAi's written reviews are positive against 26% of KICB's.

UpkeepUpdate frequency

BakAi ships an update every 4 weeks, KICB fortnightly. The most recent releases landed on October 26, 2026 and October 27, 2026 respectively.

Scorecard3 real differences · 7 level
BakAi versus KICB: the parameters behind the verdict, then further details
ParameterBakAiKICB
PriceFreeFree
Rating4.7 (393 ratings) — better3.5 (28 ratings)
Positive reviews50.0% of reviews — better26.5% of reviews
Number of ratings393 — better28
Update frequencyEvery 4 weeksFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.5 — better15.6
Further details — not scored
Size275 MB345 MB
Age rating4+4+
DeveloperOJSC BAKAI BANKKICB

Customer experience

BakAi

All ratings389 ratings
Positive92.0%
Neutral2.1%
Negative5.9%
Written reviews136 reviews
Positive50.0%
Neutral5.1%
Negative44.9%

KICB

All ratings28 ratings
Positive60.7%
Neutral3.6%
Negative35.7%
Written reviews34 reviews
Positive26.5%
Neutral17.6%
Negative55.9%

Bugs and requests

BakAi

Reported bugs

15 issues
  • 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
Show 10 more
  • Cannot update app on iOS 16
  • Login verification code sent to wrong phone number
  • Virtual card blocking without proper unlock mechanism
  • Payment processing hangs for extended periods
  • Technical maintenance windows lasting 30+ hours with no service
  • macOS app has missing input fields and buttons
  • Euro currency payments not processing
  • Decimal input not supported in currency exchange
  • History filter and date range selection not intuitive
  • Weekend transaction history not displaying

Requested features

13 requests
  • 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
Show 8 more
  • Push notifications for OTP codes instead of email
  • Card lock/unlock functionality
  • Alphabetically sorted bank list for international transfers
  • Monthly spending analytics and reports
  • SWIFT transfer documentation clarification
  • Support for decimal amounts in currency exchange
  • Display exchange rates before entering amount
  • Add incoming transaction history (not just outgoing)

KICB

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

BakAi

No in-app purchases

None

KICB

No in-app purchases

Questions

Is BakAi free?
BakAi 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, BakAi or KICB?
BakAi is rated higher. BakAi averages 4.7 out of 5 from 393 ratings, while KICB averages 3.5 from 28 ratings.
Do BakAi or KICB have ads?
Neither BakAi nor KICB shows ads.
Which is updated more often, BakAi or KICB?
BakAi ships an update every 4 weeks, and KICB fortnightly. Most recently, BakAi was updated on October 26, 2026 and KICB on October 27, 2026.

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