# KredoBank vs Банк Власний Рахунок

The clearest difference is ads: KredoBank at none against Банк Власний Рахунок's shown. KredoBank also leads on monetization model (free vs ad-supported) and ratings volume (264 vs 50). Банк Власний Рахунок's advantage is review sentiment (43% vs 15%) and update cadence (fortnightly vs every 6 weeks). On price, rating, in-app purchases and device support there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.3 for KredoBank against 4.4 for Банк Власний Рахунок. That said, the two scores are not equally well evidenced: KredoBank has 264 ratings behind it against 50, so its average is the more settled of the two. Written reviews are what separate them: 15% of KredoBank's written reviews are positive against 43% of Банк Власний Рахунок's.

KredoBank ships an update every 6 weeks, Банк Власний Рахунок fortnightly. Both last shipped on November 11, 2026.

## The numbers

| Metric | KredoBank | Банк Власний Рахунок |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.3 (264 ratings)](https://appshunter.io/ios/app/kredobank/id1481318984/reviews) | **[4.4 (50 ratings)](https://appshunter.io/ios/app/id1499995681/reviews)** |
| Number of ratings | **264** | 50 |
| Positive reviews | 14.7% of reviews | **43.5% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 6 weeks | **Fortnightly** |
| Monetization | **Free** | Ad-supported |
| Size | 109 MB | 343 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [PJSC Kredobank](https://appshunter.io/developer/891296691) | [VST BANK JSCo](https://appshunter.io/developer/1198474017) |

## What reviewers say

### KredoBank

[App page](https://appshunter.io/ios/app/kredobank/id1481318984)

Manage personal and business finances in one app. Open accounts and cards online, make transfers, pay bills, and handle business operations for sole proprietors. Offers currency exchange and deposit management.

**Highlights:** Online account and card opening, Money transfers (P2P, IBAN, QR), Currency exchange and viewing rates, Bill payments and mobile top-ups, Deposit management (opening, withdrawal), Loan details and payment setup, Business finance management for sole proprietors

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

**In-app purchases:** none

**What reviewers like**

- 👍 Great app (Yurii_Sika)
- 👍 Excellent app for deposits (Forest star)

**What reviewers complain about**

- 👎 Incompetent specialists (Anastasiia Bass)
- 👎 IBAN bill payment nightmare (Concerned Account Holders)
- 👎 Profoundly incompetent operators and tech support (Евгений. А)
- 👎 App not working after update (Daisy4822)
- 👎 Terrible latest update (Kateryna Pr)

**Reported bugs**

- 🐛 IBAN transaction denied
- 🐛 App unresponsive to settings
- 🐛 Currency exchange not updating accounts
- 🐛 App not working after update
- 🐛 Problems with Дія integration

**Requested features**

- 💡 Option to close account remotely
- 💡 Improve QA skills and beta testing
- 💡 Make currency exchange more intuitive
- 💡 Allow viewing card number in app
- 💡 Allow remote registration via phone


### Банк Власний Рахунок

[App page](https://appshunter.io/ios/app/id1499995681)

This digital banking app offers a convenient way to manage your finances, earn rewards on purchases, and access credit and currency services. Open virtual cards, make payments, and track expenses all from your smartphone.

**Highlights:** Earn balobonus points on food purchases, Virtual credit card with up to 100,000 UAH limit, Open currency cards in USD or EUR, Earn interest on UAH deposits, Save with 'Nazbyratus' feature, Track expenses and bills, Pay utilities commission-free

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is KredoBank free?

KredoBank 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, KredoBank or Банк Власний Рахунок?

Банк Власний Рахунок is rated higher. KredoBank averages 4.3 out of 5 from 264 ratings, while Банк Власний Рахунок averages 4.4 from 50 ratings.

### Do KredoBank or Банк Власний Рахунок have ads?

Банк Власний Рахунок shows ads; KredoBank does not.

### Which is updated more often, KredoBank or Банк Власний Рахунок?

KredoBank ships an update every 6 weeks, and Банк Власний Рахунок fortnightly. Most recently, KredoBank was updated on November 11, 2026 and Банк Власний Рахунок on November 11, 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.*