# BakAi vs Zero

The clearest difference is rating: BakAi at 4.7 against Zero's 2.3. BakAi also leads on ratings volume (389 vs 3) and monetization model (free vs ad-supported). Zero's advantage is review sentiment (80% vs 50%). On price, update cadence, ads and in-app purchases there is nothing between them.

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

BakAi holds the better App Store score, 4.7 against 2.3. That said, the two scores are not equally well evidenced: BakAi has 389 ratings behind it against 3, so its average is the more settled of the two. Written reviews complicate that: 50% of BakAi'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.

BakAi ships an update every 4 weeks, Zero every 3 weeks. The most recent releases landed on October 20, 2026 and October 11, 2026 respectively.

## The numbers

| Metric | BakAi | Zero |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (389 ratings)](https://appshunter.io/ios/app/bakai/id1294108123/reviews)** | [2.3 (3 ratings)](https://appshunter.io/ios/app/zero/id6738506887/reviews) |
| Number of ratings | **389** | 3 |
| Positive reviews | 50.0% of reviews | **80.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 weeks | **Every 3 weeks** |
| Monetization | **Free** | Ad-supported |
| Size | 275 MB | 204 MB |
| Requires iOS | 15.5 | 15.5 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [OJSC BAKAI BANK](https://appshunter.io/developer/1205363870) | [Technologia CA](https://appshunter.io/developer/1781062573) |

## 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


### 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 BakAi free?

BakAi 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, BakAi or Zero?

BakAi is rated higher. BakAi averages 4.7 out of 5 from 389 ratings, while Zero averages 2.3 from 3 ratings.

### Do BakAi or Zero have ads?

Neither BakAi nor Zero shows ads.

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

BakAi ships an update every 4 weeks, and Zero every 3 weeks. Most recently, BakAi was updated on October 20, 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.*