Optima mobile vs Chio
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!
Chio
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Chio is a free one-tap expense tracker for iPhone: no ads, no account, no subscription, no in-app purchases, and it works offline. Most of what you spend today, you also spent last week. Chio notices that, and guesses what you're about to log. Coffee at 8, lunch at noon, the ride home: Chio learns the times and days you usually log and puts the right tile first. Tap it and it's recorded. No form to fill, nothing to type, no category to hunt for. — ONE TAP, MOST OF THE TIME — • Suggested tiles follow the hour and the day of the week, based only on what you have logged before • Items that always cost the same, like your usual coffee, are logged in a single tap • Items whose amount varies open the number pad, with a typical amount ready • Income is learned by day of the month, so payday shows up on its own • Tapped the wrong one? The Recorded bar lets you change the amount or undo, right away — PINS THAT NEVER MOVE — • Pin up to 4 items you log all the time • Pinned tiles stay exactly where you put them, so your thumb learns them • Suggestions sit in a row of their own and never push your pins around — LOG WITHOUT OPENING THE APP — • Home Screen widget in two sizes, plus a Lock Screen widget • Tap a tile on the widget and it's recorded • Switch to a nearby amount, or undo, right on the widget — HISTORY AND CATCH-UP — • View your entries by day, week or month • Forgot something yesterday? Add entries for past days • Tap any entry to edit it — SEE WHERE YOUR MONEY WENT — • Spending by category this month • This month against the same point last month • Income minus expenses this month • The days of the month that cost the most • A few plain observations from your own numbers, like what a daily coffee adds up to over a month, or where your current pace lands by month-end • Just numbers. No scores, no judging. — PRIVATE BY DESIGN — • No account. Open the app and start. • No ads, no analytics, no subscription. • Chio never connects to the internet. Everything, including the habit learning, runs on your iPhone. • Erase all your data from Settings whenever you like. — GOOD TO KNOW — • In version 1.0, your data lives on this one iPhone only. There is no iCloud sync yet: entries don't follow you to another device, and deleting the app deletes them. • 20 currencies. Switch at any time: keep your numbers as they are, or convert them at a rate you enter. • Available in English, Spanish, Japanese, Portuguese (Brazil) and Vietnamese. Chio is new, and this is its first version. If a suggestion feels off or something is missing, Settings → Send Feedback reaches the people who make it.
Screenshots
Verdict
Optima mobile and Chio are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.
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 ships an update every 4 weeks, Chio every 3 weeks. The most recent releases landed on November 3, 2026 and November 6, 2026 respectively.
| Parameter | Optima mobile | Chio |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (99 ratings) — better | — |
| Positive reviews | 54.2% of reviews | — |
| Number of ratings | 99 — better | — |
| Update frequency | Every 4 weeks | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone | iPhone |
| Requires iOS | 16.0 — better | 17.0 |
| Further details — not scored | ||
| Size | 108 MB | 2 MB |
| Age rating | 4+ | 4+ |
| Developer | Optima bank | Thanh Ha |
In-app purchases
Optima mobile
No in-app purchases
Chio
No in-app purchases









