Comparison

CrediaBank vs Optima mobile

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

Head to head
About

CrediaBank

Manage all your financial products, including accounts, cards, and loans, in one place. Perform money transfers, pay bills, and manage your cards with enhanced security features and quick login options.

Highlights
  • Consolidated account overview
  • Widgets for quick access
  • Money transfers (domestic & international)
  • IRIS Payments with QR code support
  • Bill and debt payments
  • Card management (payment, loading, suspension)
  • Biometric and PIN login
Features
Read full description

The new CrediaBank mobile app is here! With an updated and modern look and a multitude of new features to make your every-day transactions easier! Download or update your app today. • Summary of your relationship with CrediaBank in one screen All information about your accounts of any type, cards, loans, and other products you have with CrediaBank is presented in one place. • Widgets to easily access your banking information and frequent transactions directly from your phone Get instant access to account and card balances, template transactions and other frequent actions, directly from your device's screen. • Money transfers Transfer money from your CrediaBank account to accounts within the Bank, within Greece, within the Single Euro Payments Area (SEPA) and third countries. • IRIS Payments Activate the IRIS payments service directly via CrediaBank mobile app and send money to friends and acquaintances at no cost. Are you a professional or do you have a sole proprietorship? Accept payments from your customers without them knowing your account number, simply by scanning your QR code. Add your IRIS Payments QR code to the Apple Pay digital wallet and facilitate your daily transactions! • Bill Payments Pay your bills and debts using instant credit towards Organizations that support this capability, charging either your bank account or credit card (available for specific organizations). • Card Management Pay your CrediaBank cards as well as credit cards issued by other banks. Load your CrediaBank prepaid card. Suspend and reactivate the use of your CrediaBank Credit or Prepaid card. Instantly receive PIN reminder for your Credit, Debit, or Prepaid card. • Additional Features Quick login using a PIN or biometrics (Fingerprint, FaceID). Strong Customer Authentication (SCA) using two and three factor process, ensuring enhanced security for your transactions. Approve your transactions via Push Notifications, the CrediaBank mobile app PIN or biometrics (Fingerprint, FaceID). For more information, visit www.crediabank.com, contact the CrediaBank Customer Service call center by calling +30 210 366 9000, or send an email to ebanking@crediabank.com

About

Optima mobile

Manage your personal and business finances with enhanced security and personalized insights. Transfer funds, pay bills, and track expenses easily. Customize your dashboard for quick access to important information.

Highlights
  • Biometric and PIN security
  • Customizable dashboard
  • Quick fund transfers
  • Bill payments
  • Expense tracking by category
  • Business account management
Features
Read full description

Ανακαλύψτε τα πλεονεκτήματα του Optima mobile app: Ασφάλεια: Αποκτήστε ακόμα μεγαλύτερη ασφάλεια στις συναλλαγές σας με χρήση βιομετρικών στοιχείων (σάρωση δακτυλικού αποτυπώματος ή face id) ή χρήση 4ψήφιου PIN για ευκολότερη πρόσβαση. Πληροφόρηση με μια ματιά: Διαμορφώστε την αρχική σελίδα της εφαρμογής όπως επιθυμείτε. Επιλέξτε πώς θέλετε να εμφανίζονται τα προϊόντα/ενέργειες που σας ενδιαφέρουν και παρακολουθήστε τους λογαριασμούς και τις κινήσεις σας γρήγορα και εύκολα σε μια σελίδα. Δείτε από το ιστορικό αναλυτικά τις συναλλαγές που έχετε πραγματοποιήσει μέσω online banking. Γρήγορες συναλλαγές: Μεταφέρετε τα χρήματά σας εντός και εκτός της τράπεζας, σε Ελλάδα και εξωτερικό, με λίγα μόνο clicks. Αποκτήστε πρόσβαση σε όλους τους οργανισμούς / φορείς λογαριασμών πληρωμών για να εξοφλήσετε άμεσα τις υποχρεώσεις σας. Αποθηκεύστε τις μεταφορές και πληρωμές που πραγματοποιείτε πιο συχνά. Οικονομική διαχείριση: Παρακολουθήστε τα έξοδά σας ανά κατηγορία και μήνα. Δείτε τις ετήσιες και απαιτούμενες δαπάνες για να χτίσετε το αφορολόγητό σας. Με τη νέα έκδοση του app, επιλέγοντας ‘’Είσοδος εταιρικού χρήστη’’ μπορείτε πλέον να διαχειρίζεστε εύκολα και με ασφάλεια και τα οικονομικά της επιχείρησής σας. Ένα app, για κάθε σας ανάγκη!

Screenshots

CrediaBank4 screens
Optima mobile4 screens

Verdict

The call

The clearest difference is review sentiment: Optima mobile at 54% against CrediaBank's 6%. Optima mobile also leads on rating (4.9 vs 1.7) and ratings volume (97 vs 6). 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

Optima mobile holds the better App Store score, 4.9 against 1.7. That said, the two scores are not equally well evidenced: Optima mobile has 97 ratings behind it against 6, so its average is the more settled of the two. Written reviews point the same way: 6% of CrediaBank's written reviews are positive against 54% of Optima mobile's.

UpkeepUpdate frequency

CrediaBank ships an update every 5 weeks, Optima mobile every 4 weeks. The most recent releases landed on October 21, 2026 and October 12, 2026 respectively.

Scorecard3 real differences · 7 level
CrediaBank versus Optima mobile: the parameters behind the verdict, then further details
ParameterCrediaBankOptima mobile
PriceFreeFree
Rating1.7 (6 ratings)4.9 (97 ratings) — better
Positive reviews5.8% of reviews54.2% of reviews — better
Number of ratings697 — better
Update frequencyEvery 5 weeksEvery 4 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad — betteriPhone
Requires iOS17.016.0 — better
Further details — not scored
Size123 MB108 MB
Age rating17+4+
DeveloperCREDIABANK S.A.Optima bank

Customer experience

CrediaBank

All ratings6 ratings
Positive16.7%
Neutral0.0%
Negative83.3%
Written reviews52 reviews
Positive5.8%
Neutral3.8%
Negative90.4%

Optima mobile

All ratings97 ratings
Positive97.9%
Neutral0.0%
Negative2.1%
Written reviews48 reviews
Positive54.2%
Neutral10.4%
Negative35.4%

In-app purchases

None

CrediaBank

No in-app purchases

None

Optima mobile

No in-app purchases

Questions

Is CrediaBank free?
CrediaBank is free to download, with no in-app purchases.
Is Optima mobile free?
Optima mobile is free to download, with no in-app purchases.
Which has better reviews, CrediaBank or Optima mobile?
Optima mobile is rated higher. CrediaBank averages 1.7 out of 5 from 6 ratings, while Optima mobile averages 4.9 from 97 ratings.
Do CrediaBank or Optima mobile have ads?
Neither CrediaBank nor Optima mobile shows ads.
Which is updated more often, CrediaBank or Optima mobile?
CrediaBank ships an update every 5 weeks, and Optima mobile every 4 weeks. Most recently, CrediaBank was updated on October 21, 2026 and Optima mobile on October 12, 2026.

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