Comparison

Click OTPay vs CA+ Digital bank

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

Head to head
About

Click OTPay

Manage your business finances directly from your smartphone. Monitor account activity, create and sign payments, and exchange messages with your bank anytime, anywhere. This app offers 24/7 access to essential banking tools for legal entities and entrepreneurs.

Highlights
  • Monitor fund movement
  • View current balances
  • Check payment status
  • Receive account statements
  • Create and sign payments
  • Exchange electronic messages with bank
  • Approve currency exchange
Features
Read full description

Click OTPay is mobile banking for legal entities and entrepreneurs in your smartphone. Business management is always in your hands thanks to the OTP Bank application. With it, you will be able to conveniently monitor the movement of funds on your accounts, current balances and the status of payments; receive statements; create and sign payments in national currency; exchange electronic messages with Bank; approve (sign) the purchase, sale and exchange of currency created in the WEB version of the system. With Click OTPay, you have the opportunity to solve business problems 24 hours a day, 7 days a week! Every business is unique and we work to understand each one. Therefore, we do not stop developing and will become even better for you!

About

CA+ Digital bank

Manage your finances with ease, from checking balances and transferring funds to saving and borrowing. Securely handle all your banking needs, including card management and bill payments, all within a single application.

Highlights
  • Check card balances
  • Transfer money between accounts
  • Currency exchange
  • Mobile savings
  • Expense categorization
  • Bill payments
  • Card management
Features
Read full description

Handle your money • check your card balances instantly on the main screen • easily transfer money between your accounts, for free • exchange currency in app • put your extra funds from a card to a safe mobile savings and access them any time • see the category of your expenses in one glance from your history thread Move funds and make payments • replenish your Credit Agricole card in app FOR FREE • send money to peers in Credit Agricole FOR FREE • add your home address or favorite companies and pay the bills from Credit Agricole card FOR FREE • top up your mobile or the one of your contacts FOR FREE • save any card to CA+ to promptly make transactions with them Save or borrow • put your available money aside to mobile savings and get up to 8% yearly. You can withdraw instantly whenever you need it back • chose among term deposits online to earn even more. We don’t charge any money transfer fees • we offer up to 250 000 UAH limit on credit cards. Check if you are eligible without affecting your credit history • review and take care of your existing loans and deposits with an interactive visualization Security • easy but secure registration with just your phone and card number or tax code • log in to the app with your preferable way of authentication: biometrics, PIN-code or password • block your card instantly if you lose it and unblock easily when recovered • handle card limits in just few taps • all important actions are confirmed with an OTP • we also check your trusted device to make sure no one else can access your account More coming online! Digital credit card in СА+ mobile app – around when needed. Key loan terms: Credit limit — up to UAH 300,000 (визначається індивідуально) 2,8 % — monthly interest rate after the grace period ends (on the outstanding balance) 5 % — minimum monthly payment Maximum loan term строк кредитування — up to 3 years 39,92 % per annum — effective annual interest rate Grace period of up to 62 days for all types of transactions JSC “CREDIT AGRICOLE BANK” NBU License No. 99 dd. 12.10.2011. Registration No. 149 with the State Register of Banks.

Screenshots

Click OTPay4 screens
CA+ Digital bank4 screens

Verdict

The call

Click OTPay and CA+ Digital bank both sit at 5.0 stars, but that hides the real split: 35% of CA+ Digital bank's written reviews are positive against 0% of Click OTPay's. CA+ Digital bank also leads on ratings volume (252 vs 2) and update cadence (every 3 weeks vs every 2 months). On price, rating, ads and in-app purchases 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

On the App Store both sit at effectively the same score — 5.0 for Click OTPay against 4.9 for CA+ Digital bank. That said, the two scores are not equally well evidenced: CA+ Digital bank has 252 ratings behind it against 2, so its average is the more settled of the two. Written reviews are what separate them: 0% of Click OTPay's written reviews are positive against 35% of CA+ Digital bank's.

UpkeepUpdate frequency

Click OTPay ships an update every 2 months, CA+ Digital bank every 3 weeks. The most recent releases landed on September 19, 2026 and September 5, 2026 respectively.

Scorecard3 real differences · 7 level
Click OTPay versus CA+ Digital bank: the parameters behind the verdict, then further details
ParameterClick OTPayCA+ Digital bank
PriceFreeFree
Rating5.0 (2 ratings) — better4.9 (252 ratings)
Positive reviews0.0% of reviews35.4% of reviews — better
Number of ratings2252 — better
Update frequencyEvery 2 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.014.0 — better
Further details — not scored
Size85 MB225 MB
Age rating4+4+
DeveloperOTP Bank UkraineCREDIT AGRICOLE BANK, PJSC

Customer experience

Click OTPay

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews3 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

CA+ Digital bank

All ratings252 ratings
Positive98.0%
Neutral0.4%
Negative1.6%
Written reviews65 reviews
Positive35.4%
Neutral3.1%
Negative61.5%

In-app purchases

None

Click OTPay

No in-app purchases

None

CA+ Digital bank

No in-app purchases

Questions

Is Click OTPay free?
Click OTPay is free to download, with no in-app purchases.
Is CA+ Digital bank free?
CA+ Digital bank is free to download, with no in-app purchases.
Which has better reviews, Click OTPay or CA+ Digital bank?
Click OTPay is rated higher. Click OTPay averages 5.0 out of 5 from 2 ratings, while CA+ Digital bank averages 4.9 from 252 ratings.
Do Click OTPay or CA+ Digital bank have ads?
Neither Click OTPay nor CA+ Digital bank shows ads.
Which is updated more often, Click OTPay or CA+ Digital bank?
Click OTPay ships an update every 2 months, and CA+ Digital bank every 3 weeks. Most recently, Click OTPay was updated on September 19, 2026 and CA+ Digital bank on September 5, 2026.

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