# ГЕРЦ vs Ощад

The clearest difference is rating: Ощад at 4.4 against ГЕРЦ's 4.0. Ощад also leads on ratings volume (333 vs 1). On price, review sentiment, update cadence and ads there is nothing between them.

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

Ощад holds the better App Store score, 4.4 against 4.0. That said, the two scores are not equally well evidenced: Ощад has 333 ratings behind it against 1, so its average is the more settled of the two. Written reviews complicate that: 21% of ГЕРЦ's written reviews are positive against 13% of Ощад's, so the app with the better star average is not the one people write more warmly about.

ГЕРЦ ships an update every 3 weeks, Ощад every 2 weeks. Both last shipped on November 3, 2026.

## The numbers

| Metric | ГЕРЦ | Ощад |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.0 (1 ratings)](https://appshunter.io/ios/app/id1471422669/reviews) | **[4.4 (333 ratings)](https://appshunter.io/ios/app/id1571479928/reviews)** |
| Number of ratings | 1 | **333** |
| Positive reviews | **20.9% of reviews** | 13.4% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 2 weeks** |
| Monetization | Free | — |
| Size | 82 MB | 209 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Gerts, Tov](https://appshunter.io/developer/1471422668) | [JSC "Oschadbank"](https://appshunter.io/developer/1101088632) |

## What reviewers say

### 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


### Ощад

[App page](https://appshunter.io/ios/app/id1571479928)

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is ГЕРЦ free?

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

### Is Ощад free?

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

### Which has better reviews, ГЕРЦ or Ощад?

Ощад is rated higher. ГЕРЦ averages 4.0 out of 5 from 1 ratings, while Ощад averages 4.4 from 333 ratings.

### Do ГЕРЦ or Ощад have ads?

Neither ГЕРЦ nor Ощад shows ads.

### Which is updated more often, ГЕРЦ or Ощад?

ГЕРЦ ships an update every 3 weeks, and Ощад every 2 weeks. Most recently, ГЕРЦ was updated on November 3, 2026 and Ощад on November 3, 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.*