# Octo vs A

The clearest difference is review sentiment: A at 100% against Octo's 0%. A also leads on rating (5.0 vs 4.5) and device support (3 vs 1). Octo's advantage is ratings volume (51 vs 1) and update cadence (fortnightly vs every 2 months). On price, ads, in-app purchases and monetization model there is nothing between them.

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

A holds the better App Store score, 5.0 against 4.5. That said, the two scores are not equally well evidenced: Octo has 51 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 0% of Octo's written reviews are positive against 100% of A's.

Octo ships an update fortnightly, A every 2 months. The most recent releases landed on October 25, 2026 and October 14, 2026 respectively.

## The numbers

| Metric | Octo | A |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.5 (51 ratings)](https://appshunter.io/ios/app/octo-mobile/id1460141475/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/a-pay-3/id1660729012/reviews)** |
| Number of ratings | **51** | 1 |
| Positive reviews | 0.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 2 months |
| Monetization | Free | Free |
| Size | 159 MB | 130 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [OCTOBANK, AKSIYADORLIK JAMIYATI](https://appshunter.io/developer/1364905752) | [CENTER FOR DIGITAL TECHNOLOGY AND INNOVATION](https://appshunter.io/developer/1581086379) |

## What reviewers say

### Octo

[App page](https://appshunter.io/ios/app/octo-mobile/id1460141475)

Manage your bank accounts on the go with this secure and user-friendly finance app. Check balances, pay bills, transfer funds, and convert currencies. It offers virtual card issuance for online shopping and a travel-focused MasterCard.

**Highlights:** Check balance and transaction history, Pay bills without commission, Transfer money between cards, Currency conversion, Issue virtual cards, Issue MasterCard Gold Aviasales

**Features:** Apple Wallet

**In-app purchases:** none


### A

[App page](https://appshunter.io/ios/app/a-pay-3/id1660729012)

This financial service allows users to make convenient transfers and earn cashback on purchases using electronic money. Enjoy benefits like cashback on mobile top-ups, internet, utilities, and travel, along with commission-free transfers between users.

**Highlights:** Cashback up to 3% on various services, Commission-free transfers between A-Pay wallets, 10% cashback on OSAGO (car insurance), 2% cashback on flight tickets, 0% commission for transfers to Turkey, High security standards and PCI DSS certification

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Octo free?

Octo is free to download, with no in-app purchases.

### Is A free?

A is free to download, with no in-app purchases.

### Which has better reviews, Octo or A?

A is rated higher. Octo averages 4.5 out of 5 from 51 ratings, while A averages 5.0 from 1 ratings.

### Do Octo or A have ads?

Neither Octo nor A shows ads.

### Which is updated more often, Octo or A?

Octo ships an update fortnightly, and A every 2 months. Most recently, Octo was updated on October 25, 2026 and A on October 14, 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.*