Optima mobile vs Magenta Pay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Optima mobile
Manage your personal and business finances with enhanced security and personalized insights. Transfer funds, pay bills, and track expenses easily. Customize your dashboard for quick access to important information.
- Biometric and PIN security
- Customizable dashboard
- Quick fund transfers
- Bill payments
- Expense tracking by category
- Business account management
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Ανακαλύψτε τα πλεονεκτήματα του Optima mobile app: Ασφάλεια: Αποκτήστε ακόμα μεγαλύτερη ασφάλεια στις συναλλαγές σας με χρήση βιομετρικών στοιχείων (σάρωση δακτυλικού αποτυπώματος ή face id) ή χρήση 4ψήφιου PIN για ευκολότερη πρόσβαση. Πληροφόρηση με μια ματιά: Διαμορφώστε την αρχική σελίδα της εφαρμογής όπως επιθυμείτε. Επιλέξτε πώς θέλετε να εμφανίζονται τα προϊόντα/ενέργειες που σας ενδιαφέρουν και παρακολουθήστε τους λογαριασμούς και τις κινήσεις σας γρήγορα και εύκολα σε μια σελίδα. Δείτε από το ιστορικό αναλυτικά τις συναλλαγές που έχετε πραγματοποιήσει μέσω online banking. Γρήγορες συναλλαγές: Μεταφέρετε τα χρήματά σας εντός και εκτός της τράπεζας, σε Ελλάδα και εξωτερικό, με λίγα μόνο clicks. Αποκτήστε πρόσβαση σε όλους τους οργανισμούς / φορείς λογαριασμών πληρωμών για να εξοφλήσετε άμεσα τις υποχρεώσεις σας. Αποθηκεύστε τις μεταφορές και πληρωμές που πραγματοποιείτε πιο συχνά. Οικονομική διαχείριση: Παρακολουθήστε τα έξοδά σας ανά κατηγορία και μήνα. Δείτε τις ετήσιες και απαιτούμενες δαπάνες για να χτίσετε το αφορολόγητό σας. Με τη νέα έκδοση του app, επιλέγοντας ‘’Είσοδος εταιρικού χρήστη’’ μπορείτε πλέον να διαχειρίζεστε εύκολα και με ασφάλεια και τα οικονομικά της επιχείρησής σας. Ένα app, για κάθε σας ανάγκη!
Magenta Pay
This finance app offers a free virtual Visa debit card with 1% cashback on all transactions. It allows users to send and receive money via chat, automatically save with digital piggy banks, and easily split expenses with others.
- Free virtual Visa debit card
- 1% cashback on all payments
- Send and receive money via chat
- Automatic savings with Piggies
- Split expenses with Split It
- Contactless payments with Apple Pay
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Just pay with your iPhone and always get 1% cashback. Get the app today with smart features for your finances – including your free Magenta Pay Card. HIGHLIGHTS: – Free virtual Visa debit card – 1% cashback on every payment – Send and receive money directly via chat – Save automatically with Piggies – Split expenses with Split It HOW IT WORKS 1) Download the app and sign up 2) Verify your identity immediately 3) Get your Magenta Pay Card 4) Add the card to your wallet 5) Top up your balance, make a payment, and get 1% cashback! PAY AND TRANSFER Set up your IBAN account, get the Magenta Pay Card, and add it to your mobile wallet. Make contactless payments anywhere with your iPhone and Apple Watch – both online and in person. LINK PAYMENT METHODS Use your Magenta Pay Card with Apple Pay. GET CASHBACK Get 1% of the purchase amount back with every payment – whether you're shopping online, in stores, or at cafés. For every euro you spend, you'll receive a coin in your Magenta Pay wallet. SEND MONEY VIA CHAT You can send and receive money directly with Chat & Pay. SPLIT EXPENSES WITH OTHERS Don't feel like doing the math yourself? Split It automatically calculates the cost per person. Divide the total amount equally or flexibly – depending on who paid what. SAVE MONEY AUTOMATICALLY Achieve your savings goals – big and small – with Piggies, your digital piggy banks. To do this, collect spare change that is automatically rounded up from your transactions. Or you can set a fixed regular amount. ADD MORE CARDS Get more cards! Add the cards to your wallet and set a daily transaction limit for each card. SECURE PAYMENTS Your safety is important to us. From sign-up to your daily transactions, Magenta Pay follows all European security standards in the financial sector. REQUIREMENTS To register for Magenta Pay, you will need: - A smartphone (Android 8+ or iOS 15+) - A mobile phone number - An email address - A valid identification document Depending on your country of residence and citizenship, you may also need additional identification documents to complete your registration. YOUR FEEDBACK We look forward to hearing what you think in the App Store or via email to support@magenta.pay. We appreciate your feedback − it helps us make the app better. We hope you enjoy the app! Your Magenta Pay team
Screenshots
Verdict
The clearest difference is rating: Optima mobile at 4.9 against Magenta Pay's 3.5. Optima mobile also leads on review sentiment (54% vs 39%) and ratings volume (99 vs 26). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Optima mobile holds the better App Store score, 4.9 against 3.5. Both are backed by a comparable volume of ratings — 99 and 26 respectively. Written reviews point the same way: 54% of Optima mobile's written reviews are positive against 39% of Magenta Pay's.
Optima mobile ships an update every 4 weeks, Magenta Pay every 3 weeks. The most recent releases landed on November 3, 2026 and November 11, 2026 respectively.
| Parameter | Optima mobile | Magenta Pay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (99 ratings) — better | 3.5 (26 ratings) |
| Positive reviews | 54.2% of reviews — better | 39.4% of reviews |
| Number of ratings | 99 — better | 26 |
| Update frequency | Every 4 weeks | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone | iPhone, iPod — better |
| Requires iOS | 16.0 | 15.0 — better |
| Further details — not scored | ||
| Size | 108 MB | 300 MB |
| Age rating | 4+ | 17+ |
| Developer | Optima bank | TELEKOM PAYMENTS - ELECTRONIC MONEY SERVICES SINGLE MEMBER S.A. |
Customer experience
Optima mobile
Magenta Pay
In-app purchases
Optima mobile
No in-app purchases
Magenta Pay
No in-app purchases
Questions
Is Optima mobile free?
Is Magenta Pay free?
Which has better reviews, Optima mobile or Magenta Pay?
Do Optima mobile or Magenta Pay have ads?
Which is updated more often, Optima mobile or Magenta Pay?
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