# Пенсійний фонд vs Ощад

The clearest difference is rating: Ощад at 4.4 against Пенсійний фонд's 2.7. Ощад also leads on ratings volume (333 vs 13) and update cadence (every 2 weeks vs every 2 months). On price, review sentiment, ads and in-app purchases 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 2.7. That said, the two scores are not equally well evidenced: Ощад has 333 ratings behind it against 13, so its average is the more settled of the two. Written reviews point the same way: 12% of Пенсійний фонд's written reviews are positive against 13% of Ощад's.

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

## The numbers

| Metric | Пенсійний фонд | Ощад |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.7 (13 ratings)](https://appshunter.io/ios/app/id1488083719/reviews) | **[4.4 (333 ratings)](https://appshunter.io/ios/app/id1571479928/reviews)** |
| Number of ratings | 13 | **333** |
| Positive reviews | 11.9% of reviews | **13.4% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 2 weeks** |
| Monetization | Free | — |
| Size | 67 MB | 209 MB |
| Requires iOS | **12.0** | 13.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [PENSIINY FOND UKRAINY](https://appshunter.io/developer/1488083718) | [JSC "Oschadbank"](https://appshunter.io/developer/1101088632) |

## What reviewers say

### Пенсійний фонд

[App page](https://appshunter.io/ios/app/id1488083719)

Access pension fund electronic services conveniently. View personal insurance data, pension details, and track benefit applications. Future updates will enable direct pension applications and appointment scheduling.

**Highlights:** Access electronic pension services, View insurance and salary data, Access pension case details, Track benefit application status, Verify documents and certificates, Receive notifications from the fund

**Features:** Apple Wallet

**In-app purchases:** none


### Ощад

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

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is Пенсійний фонд free?

Пенсійний фонд 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, Пенсійний фонд or Ощад?

Ощад is rated higher. Пенсійний фонд averages 2.7 out of 5 from 13 ratings, while Ощад averages 4.4 from 333 ratings.

### Do Пенсійний фонд or Ощад have ads?

Neither Пенсійний фонд nor Ощад shows ads.

### Which is updated more often, Пенсійний фонд or Ощад?

Пенсійний фонд ships an update every 2 months, and Ощад every 2 weeks. Most recently, Пенсійний фонд 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.*