Comparison

MilliÖN vs akart

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

Head to head
About

MilliÖN

This application provides a fast and convenient way to make daily online payments. It supports a wide range of services, including government fees, utilities, mobile top-ups, and more. Users can register with a phone number or use the app without an account.

Highlights
  • Daily online payments
  • Government and utility bill payments
  • Mobile operator top-ups
  • Create payment templates
  • Save payment cards
  • Earn bonuses on payments
  • Payment history tracking
Features
Read full description

MilliÖN – gündəlik ödəmələri rahat və sürətli etmək üçün onlayn ödəniş sistemidir. MilliÖN tətbiqində tək mobil nömrəni qeyd edərək qeydiyyatdan keçmək mümkündür. Qeydiyyatdan keçmədən də tətbiqdən faydalanmaq olar. Ödəniş xidmətləri: - Dövlət ödənişləri - Kommunal xidmət - Mobil operatorlar - Bank xidmətləri - Telefon - Elektron pul kisəsi - Sığorta - Təhsil - Kabel TV - İnternet - Çatdırılma xidməti - Mərc oyunları - Agent şəbəkasi - E-ticarət Şablonların yaradılması Ödənişlərinizi sürətli həyata keçirmək və vaxtınıza qənaət etmək üçün şəxsi şablonlarınızı yaradın Kartların yadda saxlanılması Şəxsi kartınızı yaratmaqla, istədiyiniz kommunal və ya rabitə xidmətlərinin ödənişini daha da rahat şəkildə həyata keçirə bilərsiniz. Kart məlumatları tam olaraq məxfi saxlanılır. Bonuslar İstənilən xidmət üzrə ödəniş edilən zaman bonuslar qazanırsınız. Ödəniş tarixçəsi Bütün kommunal və ya rabitə xidmətləri üçün ödənişlərinizi sürətli və təhlükəsiz şəkildə həyata keçirə və bütün ödənişlərə real rejimdə nəzarət edə bilərsiniz.

About

akart

Manage your finances and make payments with a digital debit card. Easily activate, top up, and use for contactless, online, and in-app purchases. Earn cashback and bonuses on your spending.

Highlights
  • Contactless, in-app, and online payments
  • Send money by name or phone number
  • Fast transfers to other bank cards
  • Monthly cashback and gigabyte bonuses
  • Easy activation with biometric verification
  • Add to Apple/Google Wallet
  • Top up with no commission
Features
Read full description

akart is a free debet card. You can activate it wherever you are with just one tap. akart will help you to manage all your financial transactions in a seamless manner: You will make contactless, in-app, online payments just with one akart, You will send money to your friends by name or phone number, avoiding typing 16 digits wrongly, You will send money to other bank cards very fast, You will earn monthly cashback or gigabyte bonuses on payments, without choosing any payment category Get akart wherever you are Activate akart in just a few simple steps: Type your mobile phone number Enter required ID information Pass the biometric verification Choose and repeat the PIN code to enter the application. To save time, allow Face/Touch ID. And all set up! Now it’s time to add your akart to Apple/Google Wallet and start to make contactless payments. Top up your akart with no commission. Open doors to convenient payments, top up your akart first. You can top up your balance either at the app, or at the nearest “eManat” terminals. To manage the process faster, save the other bank card from which you top up your akart. Make convenient payments with akart. Top up either your or any friend’s mobile phone balance, Pay for utility bills. In addition, activate the automated regime to pay on time, Make payments for Internet, TV, Phone, Government, Insurance, Parking, ASAN Services, Education, etc. Transfer money fast with akart It’s possible to transfer money from akart either to another akart by name or phone number, or to other bank cards in a fast manner. To make the process faster, you can save the card for further transfers. Earn monthly bonuses on payments. akart offers monthly cashback and gigabyte bonuses on payments without choosing a category. It’s possible to earn a maximum of 100 AZN cashback or 10 GB of internet based on your choice. Please find cashback bonuses here: 2% at supermarkets, pharmacies, petrol stations, and auto parts stores; 1% on mobile balance top-ups, Azərsu, Azərişıq, Azəristiliktəhcizatt, taxi, restaurants, entertainment, parking, clothes, and other categories. akart also has a partner network. If you want to know where you can earn more cashback by paying with akart, go to the app. For further information, you can check the akart.az website. The customer care center is always here to solve your questions and concerns. * 3443 You can support us in the improvement of the app with your feedback.

Screenshots

MilliÖN4 screens
akart4 screens

Verdict

The call

The clearest difference is review sentiment: akart at 29% against MilliÖN's 0%. MilliÖN's advantage is rating (4.8 vs 4.4) and iOS requirement (13.0 vs 15.0). On price, ratings volume, update cadence and ads 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

MilliÖN holds the better App Store score, 4.8 against 4.4. Both are backed by a comparable volume of ratings — 82 and 42 respectively. Written reviews complicate that: 0% of MilliÖN's written reviews are positive against 29% of akart's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

MilliÖN ships an update fortnightly, akart every 2 weeks. The most recent releases landed on September 22, 2026 and September 23, 2026 respectively.

Scorecard3 real differences · 7 level
MilliÖN versus akart: the parameters behind the verdict, then further details
ParameterMilliÖNakart
PriceFreeFree
Rating4.8 (82 ratings) — better4.4 (42 ratings)
Positive reviews0.0% of reviews28.6% of reviews — better
Number of ratings82 — better42
Update frequencyFortnightlyEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS13.0 — better15.0
Further details — not scored
Size40 MB167 MB
Age rating17+12+
DeveloperPashaPay LLCAzercell Telecom LLC

Customer experience

MilliÖN

All ratings82 ratings
Positive96.3%
Neutral0.0%
Negative3.7%
Written reviews7 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

akart

All ratings42 ratings
Positive85.7%
Neutral0.0%
Negative14.3%
Written reviews14 reviews
Positive28.6%
Neutral0.0%
Negative71.4%

In-app purchases

None

MilliÖN

No in-app purchases

None

akart

No in-app purchases

Questions

Is MilliÖN free?
MilliÖN is free to download, with no in-app purchases.
Is akart free?
akart is free to download, with no in-app purchases.
Which has better reviews, MilliÖN or akart?
MilliÖN is rated higher. MilliÖN averages 4.8 out of 5 from 82 ratings, while akart averages 4.4 from 42 ratings.
Do MilliÖN or akart have ads?
Neither MilliÖN nor akart shows ads.
Which is updated more often, MilliÖN or akart?
MilliÖN ships an update fortnightly, and akart every 2 weeks. Most recently, MilliÖN was updated on September 22, 2026 and akart on September 23, 2026.

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