Comparison

ГЕРЦ vs Банк Власний Рахунок

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

Head to head
About

ГЕРЦ

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
Read full description

Сплачуй зручно і легко! Отримання інформації про заборгованість і нарахування. Оплата комунальних послуг, бюджетних платежів, мобільного зв'язку, інтернету, кабельного ТБ та інших. Оплата послуг за допомогою платіжних карт Visa, Mastercard, Простір.

About

Банк Власний Рахунок

This digital banking app offers convenient management of personal and credit funds, with special benefits for shopping at "Silpo". Open virtual cards, earn loyalty points, and manage loans, currency, and deposits all from your smartphone.

Highlights
  • Virtual card in 5 minutes
  • 1% back in balobonus points
  • Credit limit up to 100,000 UAH
  • Installment payments
  • Currency cards in USD/EUR
  • High-interest deposits
  • Smart expense tracking
Features
Read full description

Bank Vlasnyy Rakhunok — a digital bank for "Silpo" guests With my card, shopping at "Silpo" is super beneficial! More balobonus points for purchases, both personal and credit funds — all in your smartphone. You can open a virtual card in just 5 minutes using the Bank Vlasnyy Rakhunok app. Perks for shopping at "Silpo" with the Bank Vlasnyy Rakhunok card: • 1% back in balobonus points for food purchases • Free card top-ups at the cash registers • Cash withdrawals at all "Silpo" cash registers, unless there is an air raid warning How to get the card? • Download the Bank Vlasnyy Rakhunok mobile app • Verify your documents via the "Diia" app, fill out the form, and set your PIN • Get your virtual card in 5 minutes, add it to Apple/Google Pay, and use it immediately! • Want a physical one? Get it at the "Silpo" cash register, and the money for it will be refunded as balobonus points after the first purchase. Balobonus points: • 1% in balobonus points guaranteed for food purchases at "Silpo" • Use your balobonus points at "Silpo", MAUDAU, LOKO — quick food delivery as early as the next day after purchase • 1 balobonus = 1 UAH — for the maximal benefit! About credit: • Virtual credit card in your Apple/Google Pay wallet • Credit limit up to 100,000 UAH, with a grace period of up to 62 days • Interest rates during the grace period — 0.00001% per month • Interest rate after the grace period is 3% per month, with an annual equivalent of 43.1% Installment payments: • Installment payments for shopping from 500 UAH • I will refund the entire receipt amount to your card • Pay in equal installments over 3 months • Monthly commission — 2% About currency cards: • Opening a currency card in USD or EUR — free • Virtual card in the app without plastic • Cash top-ups through VST Bank and non-cash transfers from card to card — free • Convenient way to buy currency online without commission. Check the rate in the bank’s app • Currency converter — check the exchange rate online in the bank's app • Instant currency transfers to a foreign bank card, with a commission of only 1% About deposits: • Interest rates for UAH deposits with terms up to 12 months, ranging from 7% to 14.5% annually About "Nazbyratus": • Open "Nazbyratus" and save for your dreams — 5% per year, calculated daily • Free access to funds — deposit and withdraw whenever you want About payments and transfers: • 0.5% + UAH 5 fee for card-to-card transfers to cards issued by other Ukrainian banks using your own funds • 4% + UAH 5 fee for card-to-card transfers to cards issued by other Ukrainian banks using credit funds • Pay for utilities, electricity, and mobile top-ups with no commission • Smart expense tracking — track all expenses, bills, and finances Well, do you want to try? Download the Bank Vlasnyy Rakhunok app and get your card easily and online! Website: https://bvr.ua JSC "VST Bank". Banking license from the National Bank of Ukraine №204 from 16.09.2025, Ukraine, Kyiv

Screenshots

ГЕРЦ3 screens
Банк Власний Рахунок4 screens

Verdict

The call

The clearest difference is ads: ГЕРЦ at none against Банк Власний Рахунок's shown. ГЕРЦ also leads on monetization model (free vs free with in-app purchases) and iOS requirement (13.0 vs 15.0). Банк Власний Рахунок's advantage is rating (4.4 vs 4.0) and review sentiment (43% vs 21%). On price, update cadence, in-app purchases and device support 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

Банк Власний Рахунок holds the better App Store score, 4.4 against 4.0. That said, the two scores are not equally well evidenced: Банк Власний Рахунок has 50 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 21% of ГЕРЦ's written reviews are positive against 43% of Банк Власний Рахунок's.

UpkeepUpdate frequency

ГЕРЦ ships an update every 3 weeks, Банк Власний Рахунок every 2 weeks. The most recent releases landed on October 25, 2026 and October 29, 2026 respectively.

Scorecard6 real differences · 4 level
ГЕРЦ versus Банк Власний Рахунок: the parameters behind the verdict, then further details
ParameterГЕРЦБанк Власний Рахунок
PriceFreeFree
Rating4.0 (1 ratings)4.4 (50 ratings) — better
Positive reviews20.9% of reviews43.5% of reviews — better
Number of ratings150 — better
Update frequencyEvery 3 weeksEvery 2 weeks — better
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS13.0 — better15.0
Further details — not scored
Size82 MB348 MB
Age rating4+4+
DeveloperGerts, TovVST BANK JSCo

Customer experience

ГЕРЦ

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews43 reviews
Positive20.9%
Neutral16.3%
Negative62.8%

Банк Власний Рахунок

All ratings50 ratings
Positive84.0%
Neutral0.0%
Negative16.0%
Written reviews69 reviews
Positive43.5%
Neutral2.9%
Negative53.6%

In-app purchases

None

ГЕРЦ

No in-app purchases

None

Банк Власний Рахунок

No in-app purchases

Questions

Is ГЕРЦ free?
ГЕРЦ is free to download, with no in-app purchases.
Is Банк Власний Рахунок free?
Банк Власний Рахунок is free to download, with no in-app purchases.
Which has better reviews, ГЕРЦ or Банк Власний Рахунок?
Банк Власний Рахунок is rated higher. ГЕРЦ averages 4.0 out of 5 from 1 ratings, while Банк Власний Рахунок averages 4.4 from 50 ratings.
Do ГЕРЦ or Банк Власний Рахунок have ads?
Банк Власний Рахунок shows ads; ГЕРЦ does not.
Which is updated more often, ГЕРЦ or Банк Власний Рахунок?
ГЕРЦ ships an update every 3 weeks, and Банк Власний Рахунок every 2 weeks. Most recently, ГЕРЦ was updated on October 25, 2026 and Банк Власний Рахунок on October 29, 2026.

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