# Optima Transfert vs Kolo

The clearest difference is ads: Optima Transfert at none against Kolo's shown. Optima Transfert also leads on iOS requirement (11.0 vs 13.0). Kolo's advantage is update cadence (every 5 days vs monthly). On price, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Optima Transfert ships an update monthly, Kolo every 5 days. Both last shipped on October 9, 2026.

## The numbers

| Metric | Optima Transfert | Kolo |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Monthly | **Every 5 days** |
| Monetization | Free | — |
| Size | 78 MB | 43 MB |
| Requires iOS | **11.0** | 13.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 17+ | 4+ |
| Developer | [African Payment Gateway](https://appshunter.io/developer/1604653575) | [IBRAHIM SOFTWARE DEVELOPERS GROUP SARL](https://appshunter.io/developer/1567403988) |

## What reviewers say

### Optima Transfert

[App page](https://appshunter.io/ios/app/optima-transfert/id1604653573)

This mobile finance app facilitates various digital transactions, including money transfers to cash, bank accounts, and mobile money. It also allows for bill payments, mobile credit purchases, and QR-code merchant payments, with interoperability between mobile money providers.

**Highlights:** Money transfers (Cash, Bank, Mobile Money), Bill payments, Mobile credit purchases, QR-code merchant payments, Mobile Money interoperability, Multiple funding options (Card, Mobile Money, Voucher)

**Features:** macOS Compatibility

**In-app purchases:** none


### Kolo

[App page](https://appshunter.io/ios/app/kolo/id6477969748)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Optima Transfert free?

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

### Is Kolo free?

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

### Do Optima Transfert or Kolo have ads?

Kolo shows ads; Optima Transfert does not.

### Which is updated more often, Optima Transfert or Kolo?

Optima Transfert ships an update monthly, and Kolo every 5 days. Most recently, Optima Transfert was updated on October 9, 2026 and Kolo on October 9, 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.*