# Click OTPay vs Банк Власний Рахунок

The clearest difference is review sentiment: Банк Власний Рахунок at 43% against Click OTPay's 0%. Банк Власний Рахунок also leads on update cadence (every 2 weeks vs every 2 months) and ratings volume (50 vs 2). Click OTPay's advantage is rating (5.0 vs 4.4) and ads (none vs shown). On price, in-app purchases, device support and iOS requirement there is nothing between them.

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

Click OTPay holds the better App Store score, 5.0 against 4.4. That said, the two scores are not equally well evidenced: Банк Власний Рахунок has 50 ratings behind it against 2, so its average is the more settled of the two. Written reviews complicate that: 0% of Click OTPay's written reviews are positive against 43% of Банк Власний Рахунок's, so the app with the better star average is not the one people write more warmly about.

Click OTPay ships an update every 2 months, Банк Власний Рахунок every 2 weeks. Both last shipped on October 29, 2026.

## The numbers

| Metric | Click OTPay | Банк Власний Рахунок |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (2 ratings)](https://appshunter.io/ios/app/click-otpay/id1483567284/reviews)** | [4.4 (50 ratings)](https://appshunter.io/ios/app/id1499995681/reviews) |
| Number of ratings | 2 | **50** |
| Positive reviews | 0.0% of reviews | **43.5% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 2 months | **Every 2 weeks** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 85 MB | 348 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [OTP Bank Ukraine](https://appshunter.io/developer/1483567283) | [VST BANK JSCo](https://appshunter.io/developer/1198474017) |

## What reviewers say

### Click OTPay

[App page](https://appshunter.io/ios/app/click-otpay/id1483567284)

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:** Vision Pro support

**In-app purchases:** none


### Банк Власний Рахунок

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

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:** Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Click OTPay free?

Click OTPay 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, Click OTPay or Банк Власний Рахунок?

Click OTPay is rated higher. Click OTPay averages 5.0 out of 5 from 2 ratings, while Банк Власний Рахунок averages 4.4 from 50 ratings.

### Do Click OTPay or Банк Власний Рахунок have ads?

Банк Власний Рахунок shows ads; Click OTPay does not.

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

Click OTPay ships an update every 2 months, and Банк Власний Рахунок every 2 weeks. Most recently, Click OTPay was updated on October 29, 2026 and Банк Власний Рахунок on October 29, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*