# Банк Власний Рахунок vs Ощад

The clearest difference is ads: Ощад at none against Банк Власний Рахунок's shown. Ощад also leads on ratings volume (333 vs 50) and iOS requirement (13.0 vs 15.0). Банк Власний Рахунок's advantage is review sentiment (43% vs 13%). On price, rating, update cadence 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.

On the App Store both sit at effectively the same score — 4.4 for Банк Власний Рахунок against 4.4 for Ощад. That said, the two scores are not equally well evidenced: Ощад has 333 ratings behind it against 50, so its average is the more settled of the two. Written reviews are what separate them: 43% of Банк Власний Рахунок's written reviews are positive against 13% of Ощад's.

Both ship on a similar rhythm, roughly every 2 weeks. Both last shipped on November 3, 2026.

## The numbers

| Metric | Банк Власний Рахунок | Ощад |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (50 ratings)](https://appshunter.io/ios/app/id1499995681/reviews) | **[4.4 (333 ratings)](https://appshunter.io/ios/app/id1571479928/reviews)** |
| Number of ratings | 50 | **333** |
| Positive reviews | **43.5% of reviews** | 13.4% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 2 weeks | Every 2 weeks |
| Monetization | Free with in-app purchases | — |
| Size | 348 MB | 209 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [VST BANK JSCo](https://appshunter.io/developer/1198474017) | [JSC "Oschadbank"](https://appshunter.io/developer/1101088632) |

## What reviewers say

### 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


### Ощад

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

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is Банк Власний Рахунок free?

Банк Власний Рахунок 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, Банк Власний Рахунок or Ощад?

Ощад is rated higher. Банк Власний Рахунок averages 4.4 out of 5 from 50 ratings, while Ощад averages 4.4 from 333 ratings.

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

Банк Власний Рахунок shows ads; Ощад does not.

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

Банк Власний Рахунок ships an update every 2 weeks, and Ощад every 2 weeks. Most recently, Банк Власний Рахунок 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.*