# hotline.finance | Страховка vs ГЕРЦ

The clearest difference is rating: hotline.finance | Страховка at 4.9 against ГЕРЦ's 4.0. hotline.finance | Страховка also leads on review sentiment (42% vs 21%) and ratings volume (33 vs 1). ГЕРЦ's advantage is iOS requirement (13.0 vs 15.1). 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.

hotline.finance | Страховка holds the better App Store score, 4.9 against 4.0. That said, the two scores are not equally well evidenced: hotline.finance | Страховка has 33 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 42% of hotline.finance | Страховка's written reviews are positive against 21% of ГЕРЦ's.

hotline.finance | Страховка ships an update weekly, ГЕРЦ every 3 weeks. Both last shipped on October 25, 2026.

## The numbers

| Metric | hotline.finance | Страховка | ГЕРЦ |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (33 ratings)](https://appshunter.io/ios/app/hotlinefinance/id1467496674/reviews)** | [4.0 (1 ratings)](https://appshunter.io/ios/app/id1471422669/reviews) |
| Number of ratings | **33** | 1 |
| Positive reviews | **41.7% of reviews** | 20.9% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Weekly** | Every 3 weeks |
| Monetization | Free | Free |
| Size | 93 MB | 82 MB |
| Requires iOS | 15.1 | **13.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Hotline.Finance](https://appshunter.io/developer/1467496673) | [Gerts, Tov](https://appshunter.io/developer/1471422668) |

## What reviewers say

### hotline.finance | Страховка

[App page](https://appshunter.io/ios/app/hotlinefinance/id1467496674)

Easily compare and purchase various insurance policies from top Ukrainian companies. Manage traffic fines, store digital insurance documents, and access essential automotive services. Avoid queues and paperwork with this convenient mobile solution.

**Highlights:** Compare and buy 11 types of insurance, Pay traffic fines with minimal commission, Store digital insurance policies, Access Mtsbu state services, Get discounts and promo codes, Pay insurance in installments

**Features:** Vision Pro support

**In-app purchases:** none


### ГЕРЦ

[App page](https://appshunter.io/ios/app/id1471422669)

Easily pay for utilities, public services, mobile, internet, and cable TV. Access information about your debts and charges. Supports payments via Visa, Mastercard, and Prostir cards.

**Highlights:** Utility bill payments, Public service payments, Mobile and internet top-ups, Cable TV payments, Debt and charge information, Card payments (Visa, Mastercard, Prostir)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is hotline.finance | Страховка free?

hotline.finance | Страховка is free to download, with no in-app purchases.

### Is ГЕРЦ free?

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

### Which has better reviews, hotline.finance | Страховка or ГЕРЦ?

hotline.finance | Страховка is rated higher. hotline.finance | Страховка averages 4.9 out of 5 from 33 ratings, while ГЕРЦ averages 4.0 from 1 ratings.

### Do hotline.finance | Страховка or ГЕРЦ have ads?

Neither hotline.finance | Страховка nor ГЕРЦ shows ads.

### Which is updated more often, hotline.finance | Страховка or ГЕРЦ?

hotline.finance | Страховка ships an update weekly, and ГЕРЦ every 3 weeks. Most recently, hotline.finance | Страховка was updated on October 25, 2026 and ГЕРЦ on October 25, 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.*