# Genius by InterCapital vs OTPgo

The clearest difference is rating: Genius by InterCapital at 5.0 against OTPgo's 3.6. Genius by InterCapital also leads on device support (3 vs 1) and iOS requirement (15.0 vs 17.0). OTPgo's advantage is monetization model (ad-supported vs free with in-app purchases) and ratings volume (16 vs 2). On price, update cadence, 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.

Genius by InterCapital holds the better App Store score, 5.0 against 3.6. That said, the two scores are not equally well evidenced: OTPgo has 16 ratings behind it against 2, so its average is the more settled of the two.

Genius by InterCapital ships an update every 4 weeks, OTPgo monthly. Both last shipped on November 3, 2026.

## The numbers

| Metric | Genius by InterCapital | OTPgo |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (2 ratings)](https://appshunter.io/ios/app/genius-by-intercapital/id1499823028/reviews)** | [3.6 (16 ratings)](https://appshunter.io/ios/app/otpgo/id6447007924/reviews) |
| Number of ratings | 2 | **16** |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 4 weeks** | Monthly |
| Monetization | Free with in-app purchases | **Ad-supported** |
| Size | 144 MB | 198 MB |
| Requires iOS | **15.0** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 17+ |
| Developer | [InterCapital Asset Management](https://appshunter.io/developer/1499823027) | [OTP banka d.d.](https://appshunter.io/developer/556850042) |

## What reviewers say

### Genius by InterCapital

[App page](https://appshunter.io/ios/app/genius-by-intercapital/id1499823028)

This app offers a simple and flexible way to invest long-term in global and regional ETFs. It provides diversified ETF portfolios, options for smart cash management, and ETF savings plans. Ideal for both beginners and experienced investors.

**Highlights:** Diversified ETF portfolios, ETF savings plans, Smart cash management, Investment in gold via ETF, User-tailored risk tolerance, Low minimum investment

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

**In-app purchases:** none


### OTPgo

[App page](https://appshunter.io/ios/app/otpgo/id6447007924)

Manage your banking needs on the go with this app. Check balances, make payments, view product details, and access loyalty programs. It simplifies digital banking with features like QR code sharing and payment templates.

**Highlights:** Account balance and turnover checks, Product details for loans, savings, credit cards, Intra-bank and inter-bank payments, Foreign account payments, Payment order templates, Foreign currency exchange, Mobile top-up and prepaid card transfers

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is Genius by InterCapital free?

Genius by InterCapital is free to download, with no in-app purchases.

### Is OTPgo free?

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

### Which has better reviews, Genius by InterCapital or OTPgo?

Genius by InterCapital is rated higher. Genius by InterCapital averages 5.0 out of 5 from 2 ratings, while OTPgo averages 3.6 from 16 ratings.

### Do Genius by InterCapital or OTPgo have ads?

Neither Genius by InterCapital nor OTPgo shows ads.

### Which is updated more often, Genius by InterCapital or OTPgo?

Genius by InterCapital ships an update every 4 weeks, and OTPgo monthly. Most recently, Genius by InterCapital was updated on November 3, 2026 and OTPgo 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.*