# Optima mobile vs Magenta Pay

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.

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.

## The numbers

| Metric | Optima mobile | Magenta Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (99 ratings)](https://appshunter.io/ios/app/optima-mobile/id1570428414/reviews)** | [3.5 (26 ratings)](https://appshunter.io/ios/app/magenta-pay/id1615592620/reviews) |
| Number of ratings | **99** | 26 |
| Positive reviews | **54.2% of reviews** | 39.4% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 weeks | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 108 MB | 300 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [Optima bank](https://appshunter.io/developer/1553456186) | [TELEKOM PAYMENTS - ELECTRONIC MONEY SERVICES SINGLE MEMBER S.A.](https://appshunter.io/developer/1615592622) |

## What reviewers say

### Optima mobile

[App page](https://appshunter.io/ios/app/optima-mobile/id1570428414)

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.

**Highlights:** Biometric and PIN security, Customizable dashboard, Quick fund transfers, Bill payments, Expense tracking by category, Business account management

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

**In-app purchases:** none


### Magenta Pay

[App page](https://appshunter.io/ios/app/magenta-pay/id1615592620)

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.

**Highlights:** 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

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is Optima mobile free?

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

### Is Magenta Pay free?

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

### Which has better reviews, Optima mobile or Magenta Pay?

Optima mobile is rated higher. Optima mobile averages 4.9 out of 5 from 99 ratings, while Magenta Pay averages 3.5 from 26 ratings.

### Do Optima mobile or Magenta Pay have ads?

Neither Optima mobile nor Magenta Pay shows ads.

### Which is updated more often, Optima mobile or Magenta Pay?

Optima mobile ships an update every 4 weeks, and Magenta Pay every 3 weeks. Most recently, Optima mobile was updated on November 3, 2026 and Magenta Pay on November 11, 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.*