# Ощад vs NovaPay

The clearest difference is review sentiment: NovaPay at 56% against Ощад's 13%. Ощад's advantage is rating (4.4 vs 4.1) and ratings volume (333 vs 35). 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.

Ощад holds the better App Store score, 4.4 against 4.1. That said, the two scores are not equally well evidenced: Ощад has 333 ratings behind it against 35, so its average is the more settled of the two. Written reviews complicate that: 13% of Ощад's written reviews are positive against 56% of NovaPay's, so the app with the better star average is not the one people write more warmly about.

Ощад ships an update every 2 weeks, NovaPay every 3 weeks. The most recent releases landed on November 3, 2026 and November 7, 2026 respectively.

## The numbers

| Metric | Ощад | NovaPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.4 (333 ratings)](https://appshunter.io/ios/app/id1571479928/reviews)** | [4.1 (35 ratings)](https://appshunter.io/ios/app/novapay-payment-systems/id6449020548/reviews) |
| Number of ratings | **333** | 35 |
| Positive reviews | 13.4% of reviews | **55.6% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 3 weeks |
| Monetization | — | Free |
| Size | 209 MB | 133 MB |
| Requires iOS | **13.0** | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [JSC "Oschadbank"](https://appshunter.io/developer/1101088632) | [NovaPay LLC](https://appshunter.io/developer/1687452275) |

## What reviewers say

### Ощад

[App page](https://appshunter.io/ios/app/id1571479928)

**Features:** Apple Wallet

**In-app purchases:** none


### NovaPay

[App page](https://appshunter.io/ios/app/novapay-payment-systems/id6449020548)

Manage your personal finances with this app, offering easy account opening in EUR and PLN across the EEA. Make secure payments via IBAN, Google Pay, or Apple Pay, and withdraw cash conveniently. Enjoy a modern, fast, and easy alternative to traditional banking for your financial needs.

**Highlights:** Open EUR and PLN accounts, Secure virtual cards, IBAN money transfers, NFC cash withdrawals, Google Pay/Apple Pay integration, 24/7 multi-language support

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

**In-app purchases:** none


## Frequently asked questions

### Is Ощад free?

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

### Is NovaPay free?

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

### Which has better reviews, Ощад or NovaPay?

Ощад is rated higher. Ощад averages 4.4 out of 5 from 333 ratings, while NovaPay averages 4.1 from 35 ratings.

### Do Ощад or NovaPay have ads?

Neither Ощад nor NovaPay shows ads.

### Which is updated more often, Ощад or NovaPay?

Ощад ships an update every 2 weeks, and NovaPay every 3 weeks. Most recently, Ощад was updated on November 3, 2026 and NovaPay on November 7, 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.*