# KEKS Pay vs OTPgo

The clearest difference is review sentiment: OTPgo at 100% against KEKS Pay's 50%. KEKS Pay's advantage is rating (4.8 vs 3.6) and monetization model (free vs ad-supported). On price, ads, in-app purchases and device support there is nothing between them.

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

KEKS Pay holds the better App Store score, 4.8 against 3.6. 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.

KEKS Pay ships an update every 2 weeks, OTPgo monthly. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | KEKS Pay | OTPgo |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (117 ratings)](https://appshunter.io/ios/app/keks-pay/id1434843784/reviews)** | [3.6 (16 ratings)](https://appshunter.io/ios/app/otpgo/id6447007924/reviews) |
| Number of ratings | **117** | 16 |
| Positive reviews | 50.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Monthly |
| Monetization | **Free** | Ad-supported |
| Size | 230 MB | 198 MB |
| Requires iOS | **15.6** | 17.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 12+ | 17+ |
| Developer | [Erste banka HR](https://appshunter.io/developer/781546804) | [OTP banka d.d.](https://appshunter.io/developer/556850042) |

## What reviewers say

### KEKS Pay

[App page](https://appshunter.io/ios/app/keks-pay/id1434843784)

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:** Apple Wallet, Vision Pro support

**In-app purchases:** none


### OTPgo

[App page](https://appshunter.io/ios/app/otpgo/id6447007924)

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:** Apple Wallet

**In-app purchases:** none


## Frequently asked 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 3.6 from 16 ratings.

### Do KEKS Pay or OTPgo have ads?

Neither KEKS Pay nor OTPgo shows ads.

### Which is updated more often, KEKS Pay or OTPgo?

KEKS Pay ships an update every 2 weeks, and OTPgo monthly. Most recently, KEKS Pay was updated on November 2, 2026 and OTPgo on November 3, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*