Comparison

KEKS Pay vs OTPgo

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

Head to head
About

KEKS Pay

Send and receive money quickly and securely with this free app. Easily split costs with friends, request payments, and manage group expenses without any fees. It's a simple way to handle everyday transactions.

Highlights
  • Send and receive money
  • No transaction fees
  • Split expenses with groups
  • Request payments
  • Secure transactions
  • PIN and biometric protection
Features
Read full description

KEKS Pay je zabavna i jednostavna aplikacija za brzo i sigurno slanje i primanje novca – i to bez ikakvih naknada! Duguješ nekome za ručak? Netko tebi duguje za karte za kino? Besplatno skini KEKS Pay i olakšaj si život. Uživaj u slatkim transakcijama već danas! Svi su dobrodošli Iako je KEKS Pay aplikacija Erste banke, možeš je koristiti neovisno o tome u kojoj banci ti ili tvoji frendovi imate račun bez da pritom plaćaš ikakve naknade za prijenos novca. Stvarno brzo i jednostavno Skini i instaliraj aplikaciju u svega 2 minute, a onda šalji ili zatraži lovu od frendova. Podatke za primanje i slanje love trebaš upisati samo jednom, a od frenda nijednom. Da bi mu poslao lovu, dovoljno je da imaš njegov broj mobitela. Da, dobro si shvatio - nema više zamornog upisivanja dugačkih brojeva i šifri! Podijeli troškove Želiš s frendovima skupiti lovu za rođendanski poklon, ali ne želiš voditi evidenciju plaćanja i boriti se s gotovinom? KEKS Pay je pravo rješenje za tebe! Više ne moraš brinuti jesu li svi platili i vući lovu naokolo. Kreiraj chat grupu, pozovi ekipu da se sve lijepo dogovorite i jednostavno prati uplate putem mobitela. Pozovi frenda Lovu možeš poslati i nekome tko nema KEKS Pay. On će dobiti SMS s uputama za preuzimanje aplikacije, a potom i tvoje uplate, u samo nekoliko klikova. Baš kao što si ti već učinio, i on će upisati IBAN na koji želi primati uplate. U slučaju da ne preuzme aplikaciju u roku od 5 dana, tebi će lova biti pošteno vraćena. Sigurnost prije svega Što se tiče sigurnosti, tu nemaš nikakvog razloga za brigu - brojevi kartica nisu zapisani na mobitelu, sve je kriptirano i spremljeno na zaštićenim serverima do kojih nitko ne može doći (u skladu s regulativom PCI DSS), a aplikacija je zaštićena PIN-om ili biometrijom (otisak prsta i ostale opcije). Kao što vidš, Erste banka misli na sve.

About

OTPgo

Manage your banking needs on the go with this app. Check balances, make payments, view product details, and access loyalty programs. It simplifies digital banking with features like QR code sharing and payment templates.

Highlights
  • Account balance and turnover checks
  • Product details for loans, savings, credit cards
  • Intra-bank and inter-bank payments
  • Foreign account payments
  • Payment order templates
  • Foreign currency exchange
  • Mobile top-up and prepaid card transfers
Features
Read full description

We believe that digital banking should be as simple as ABC. Download the application and experience banking made easy, whenever and wherever. In OTPgo application you can find our product catalogue and the list of locations of our branches and ATMs. Here are only some of the options and transactions available to you with OTPgo application: • Check your account balance at any time • Check your account turnover • Check the details of any products contracted with the bank such as loans, savings or credit cards • Make intra-bank and inter-bank payments • Make payments to foreign accounts – new transaction • Create payment order templates for frequent payments, so as to make them even easier • Buy or sell foreign currency using your foreign currency accounts • Top up mobile phone • Make a simple transfer of funds to your prepaid card(s) • Make various transfers and payments towards your loan, to your saving account or credit card • Join the OTP Round Up donation scheme and view all your donations • Join the OTPrize loyalty scheme and have access to it at all times • Share your account information via QR code

Screenshots

KEKS Pay4 screens
OTPgo4 screens

Verdict

The call

The clearest difference is review sentiment: OTPgo at 100% against KEKS Pay's 50%. KEKS Pay's advantage is rating (4.8 vs 3.9) and ads (none vs shown). On price, in-app purchases, device support and iOS requirement 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

KEKS Pay holds the better App Store score, 4.8 against 3.9. That said, the two scores are not equally well evidenced: KEKS Pay has 117 ratings behind it against 16, so its average is the more settled of the two. Written reviews complicate that: 50% of KEKS Pay's written reviews are positive against 100% of OTPgo's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

KEKS Pay ships an update fortnightly, OTPgo monthly. The most recent releases landed on September 14, 2026 and August 4, 2026 respectively.

Scorecard6 real differences · 4 level
KEKS Pay versus OTPgo: the parameters behind the verdict, then further details
ParameterKEKS PayOTPgo
PriceFreeFree
Rating4.8 (117 ratings) — better3.9 (16 ratings)
Positive reviews50.0% of reviews100.0% of reviews — better
Number of ratings117 — better16
Update frequencyFortnightly — betterMonthly
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.615.0 — better
Further details — not scored
Size286 MB195 MB
Age rating12+17+
DeveloperErste banka HROTP banka d.d.

Customer experience

KEKS Pay

All ratings117 ratings
Positive95.7%
Neutral0.9%
Negative3.4%
Written reviews6 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

OTPgo

All ratings11 ratings
Positive54.5%
Neutral18.2%
Negative27.3%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

KEKS Pay

No in-app purchases

None

OTPgo

No in-app purchases

Questions

Is KEKS Pay free?
KEKS Pay is free to download, with no in-app purchases.
Is OTPgo free?
OTPgo is free to download, with no in-app purchases.
Which has better reviews, KEKS Pay or OTPgo?
KEKS Pay is rated higher. KEKS Pay averages 4.8 out of 5 from 117 ratings, while OTPgo averages 3.9 from 16 ratings.
Do KEKS Pay or OTPgo have ads?
OTPgo shows ads; KEKS Pay does not.
Which is updated more often, KEKS Pay or OTPgo?
KEKS Pay ships an update fortnightly, and OTPgo monthly. Most recently, KEKS Pay was updated on September 14, 2026 and OTPgo on August 4, 2026.

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