Comparison

MyCredo vs Pockard

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

Head to head
About

MyCredo

Manage your finances with a modern and secure mobile banking application. Access all essential services, from payments and loans to savings and international transfers, all from your device. Enjoy a flexible and convenient banking experience.

Highlights
  • Flexible home page interface
  • Comprehensive operations page
  • Digital loan applications
  • Commission-free utility payments
  • Modern deposit management tools
  • International money transfers
  • Easy savings tools
Features
Read full description

Mycredo – Credo Bank’s official mobile banking app for individuals. The updated version offers a modern design, flexible processes, and functionality that makes banking even more convenient. New features include: · Home page – Flexible interface with all essential services · Operations page – A complete space for all operations: from mobile top-ups to currency exchange · Digital loans – Get a loan without visiting a service center · Utilities – Pay easily with no commission · Deposits – Modern tools for managing your savings · International transfers – Send and receive money in 50+ countries · Savings – Save money comfortably and easily for any purpose Mycredo allows you to access banking services quickly, simply, and securely – wherever you are.

About

Pockard

Consolidate all your loyalty and discount cards into a single digital wallet. Scan and store cards to easily present them at checkout, eliminating the need for physical cards. Access your digital collection offline.

Highlights
  • Digital loyalty card wallet
  • Scan barcodes and QR codes
  • Store discount cards
  • Offline card access
  • Share cards
  • Reduce plastic card usage
Features
Read full description

Smarter loyalty. Connecting businesses & customers. Your loyalty and discount cards, all in one digital wallet. Scan, save and use your cards directly from your phone. No more plastic cards, no more searching for the right one at checkout. Your cards, always with you • Scan barcodes and QR codes • Store loyalty and discount cards • Quickly show your card at checkout • Keep everything in one place • Share cards when supported • Access your cards offline Less plastic. More freedom. Pockard puts your loyalty cards where you need them — on your phone. For businesses Pockard is also a digital loyalty platform that helps businesses create and manage digital loyalty programs, loyalty cards and customer engagement. Website: https://pockard.online/ Smarter loyalty. Connecting businesses & customers.

Screenshots

MyCredo4 screens
Pockard4 screens

Verdict

The call

The clearest difference is review sentiment: Pockard at 100% against MyCredo's 56%. Pockard also leads on rating (5.0 vs 4.7). MyCredo's advantage is ratings volume (156 vs 1). On price, update cadence, ads and in-app purchases 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.

ReceptionRating · Positive reviews · Number of ratings

Pockard holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: MyCredo has 156 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 56% of MyCredo's written reviews are positive against 100% of Pockard's.

UpkeepUpdate frequency

MyCredo ships an update every 8 days, Pockard every 5 days. The most recent releases landed on November 7, 2026 and November 5, 2026 respectively.

Scorecard3 real differences · 7 level
MyCredo versus Pockard: the parameters behind the verdict, then further details
ParameterMyCredoPockard
PriceFreeFree
Rating4.7 (156 ratings)5.0 (1 ratings) — better
Positive reviews56.3% of reviews100.0% of reviews — better
Number of ratings156 — better1
Update frequencyEvery 8 daysEvery 5 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.115.1
Further details — not scored
Size192 MB42 MB
Age rating4+4+
DeveloperJSC Credo Bankvazha jambazishvili

Customer experience

MyCredo

All ratings156 ratings
Positive92.3%
Neutral1.3%
Negative6.4%
Written reviews183 reviews
Positive56.3%
Neutral5.5%
Negative38.3%

Pockard

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

MyCredo

Reported bugs

5 issues
  • Login screen freezes
  • Incompatible with older devices
  • Forced updates break login functionality
  • Incorrect balance display and currency conversion issues
  • Inability to change cover image in settings

Requested features

7 requests
  • Add Western Union transfer option
  • Implement monthly expense tracking by category
  • Allow remote account closure
  • Enable changing primary phone number remotely
  • Provide English push notifications
Show 2 more
  • Add option to delete synced contacts
  • Improve in-app chat support

Pockard

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

MyCredo

No in-app purchases

None

Pockard

No in-app purchases

Questions

Is MyCredo free?
MyCredo is free to download, with no in-app purchases.
Is Pockard free?
Pockard is free to download, with no in-app purchases.
Which has better reviews, MyCredo or Pockard?
Pockard is rated higher. MyCredo averages 4.7 out of 5 from 156 ratings, while Pockard averages 5.0 from 1 ratings.
Do MyCredo or Pockard have ads?
Neither MyCredo nor Pockard shows ads.
Which is updated more often, MyCredo or Pockard?
MyCredo ships an update every 8 days, and Pockard every 5 days. Most recently, MyCredo was updated on November 7, 2026 and Pockard on November 5, 2026.

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