Comparison

RATO vs Optim System app

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

Head to head

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About

RATO

Features

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RATO is a secure and easy-to-use app for your domestic and SEPA payments. Get started in just a few minutes and immediately have full control of your finances. With RATO your payments are simple, fast and secure. Release features: • European IBAN account • SEPA payments • Instant access to account balance information • Detailed account statements with full transaction history of operations • Payment details • List of payees • Access to your accounts 24/7

About

Optim System app

Features

Read full description

Personal and business online payments with competitive exchange rates, virtual cards, and secure money-management tools — all from one WeOpsy account Bank transfers and payments. Enjoy same-day execution on local transactions with a personalized IBAN, secure global reach through the SWIFT network, and instant access to newly issued virtual cards for seamless online spending

Screenshots

RATO4 screens

Optim System app4 screens

Verdict

The call

The clearest difference is update cadence: Optim System app at every 9 days against RATO's every 6 months. RATO's advantage is iOS requirement (13.0 vs 15.1). On price, ads, in-app purchases and device support 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.

UpkeepUpdate frequency

RATO ships an update every 6 months, Optim System app every 9 days. The most recent releases landed on September 27, 2026 and October 4, 2026 respectively.

Scorecard2 real differences · 4 level

RATO versus Optim System app: the parameters behind the verdict, then further details
Parameter	RATO	Optim System app
Price	Free	Free
Update frequency	Every 6 months	Every 9 days — better
Ads	No	No
In-app purchases	No	No
Devices	iPhone, iPod	iPhone, iPod
Requires iOS	13.0 — better	15.1
Further details — not scored
Size	68 MB	44 MB
Age rating	4+	4+
Developer	FORBIS, UAB	Optim Systems, Ltd.

In-app purchases

None

RATO

No in-app purchases

None

Optim System app

No in-app purchases

Questions

Is RATO free?

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

Is Optim System app free?

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

Do RATO or Optim System app have ads?

Neither RATO nor Optim System app shows ads.

Which is updated more often, RATO or Optim System app?

RATO ships an update every 6 months, and Optim System app every 9 days. Most recently, RATO was updated on September 27, 2026 and Optim System app on October 4, 2026.