# BakAi vs Simbank

The clearest difference is ads: BakAi at none against Simbank's shown. BakAi also leads on monetization model (free vs free with in-app purchases) and device support (3 vs 1). Simbank's advantage is update cadence (weekly vs every 4 weeks). On price, rating, review sentiment and ratings volume there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.7 for BakAi against 4.7 for Simbank. Both are backed by a comparable volume of ratings — 381 and 202 respectively. Written reviews are what separate them: 51% of BakAi's written reviews are positive against 55% of Simbank's.

BakAi ships an update every 4 weeks, Simbank weekly. The most recent releases landed on September 26, 2026 and September 23, 2026 respectively.

## The numbers

| Metric | BakAi | Simbank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (381 ratings)](https://appshunter.io/ios/app/bakai/id1294108123/reviews) | [4.7 (202 ratings)](https://appshunter.io/ios/app/simbank/id6499126462/reviews) |
| Number of ratings | **381** | 202 |
| Positive reviews | 50.8% of reviews | **54.5% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 4 weeks | **Weekly** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 272 MB | 420 MB |
| Requires iOS | **14** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 17+ |
| Developer | [OJSC BAKAI BANK](https://appshunter.io/developer/1205363870) | [Dos Credobank](https://appshunter.io/developer/1265499317) |

## What reviewers say

### BakAi

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

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:** macOS Compatibility, Apple Wallet, Vision Pro 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


### 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 BakAi free?

BakAi 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, BakAi or Simbank?

BakAi and Simbank are both rated 4.7 out of 5 on the App Store, from 381 and 202 ratings respectively.

### Do BakAi or Simbank have ads?

Simbank shows ads; BakAi does not.

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

BakAi ships an update every 4 weeks, and Simbank weekly. Most recently, BakAi was updated on September 26, 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.*