# ХМБ vs Карма от Скоринг Бюро

The clearest difference is review sentiment: Карма от Скоринг Бюро at 58% against ХМБ's 8%. Карма от Скоринг Бюро also leads on update cadence (every 9 days vs every 4 weeks). ХМБ's advantage is device support (3 vs 1) and iOS requirement (13.0 vs 17.4). On price, ads, in-app purchases and monetization model there is nothing between them.

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

ХМБ ships an update every 4 weeks, Карма от Скоринг Бюро every 9 days. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | ХМБ | Карма от Скоринг Бюро |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 7.7% of reviews | **57.7% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 weeks | **Every 9 days** |
| Monetization | Free | Free |
| Size | 10 MB | 62 MB |
| Requires iOS | **13.0** | 17.4 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [ООО "Хакасский муниципальный банк"](https://appshunter.io/developer/1440570152) | [BCH SB LLC](https://appshunter.io/developer/1684204842) |

## What reviewers say

### ХМБ

[App page](https://appshunter.io/ios/app/id1608019592)

Easily pay utility bills online with any bank card. Track all charges and submit meter readings in one place. Manage all your housing and utility payments conveniently.

**Highlights:** Pay with any bank card, Online utility payments, Track all charges, Pay by a single bill, Submit meter readings, All in one place online

**Features:** macOS Compatibility

**In-app purchases:** none


### Карма от Скоринг Бюро

[App page](https://appshunter.io/ios/app/id6448271190)

Assess your financial health with a tracker that evaluates your financial discipline over the past three years. Understand how banks view you, compare your score, and access your credit report and rating. Receive personalized recommendations to improve your financial situation.

**Highlights:** Financial health index, Factors influencing score, Improvement recommendations, Credit report and history, Credit rating and dynamics, Data security and encryption

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

**In-app purchases:** none


## Frequently asked questions

### Is ХМБ free?

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

### Is Карма от Скоринг Бюро free?

Карма от Скоринг Бюро is free to download, with no in-app purchases.

### Do ХМБ or Карма от Скоринг Бюро have ads?

Neither ХМБ nor Карма от Скоринг Бюро shows ads.

### Which is updated more often, ХМБ or Карма от Скоринг Бюро?

ХМБ ships an update every 4 weeks, and Карма от Скоринг Бюро every 9 days. Most recently, ХМБ was updated on October 24, 2026 and Карма от Скоринг Бюро on October 25, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*