# Ozon Банк vs 心流记账

The clearest difference is price: Ozon Банк at Free against 心流记账's $0.99. Ozon Банк also leads on update cadence (every 10 days vs every 5 weeks) and chart position (#180 vs unranked). On ads and in-app purchases there is nothing between them.

Ozon Банк is free to download; 心流记账 costs $0.99 up front. Neither carries in-app purchases, so what you see is what you pay.

Ozon Банк ships an update every 10 days, 心流记账 every 5 weeks. The most recent releases landed on October 26, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | Ozon Банк | 心流记账 |
| --- | --- | --- |
| Price | **Free** | $0.99 |
| Rating | **[4.3 (913 ratings)](https://appshunter.io/ios/app/ozon/id1629869891/reviews)** | — |
| Number of ratings | **913** | — |
| Positive reviews | 17.5% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 10 days** | Every 5 weeks |
| Monetization | Free | — |
| Best chart rank | **#180** | — |
| Size | 252 MB | 3 MB |
| Requires iOS | **15.0** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [OZON MARKETPLEIS KAZAKHSTAN, TOO](https://appshunter.io/developer/1818775178) | [耕健 胡](https://appshunter.io/developer/1891542622) |

## What reviewers say

### Ozon Банк

[App page](https://appshunter.io/ios/app/ozon/id1629869891)

**Currently charting:** #180 Top Free · Finance (US App Store)

This app offers a free banking card with cashback rewards of up to 25% on purchases outside the marketplace and discounts of up to 30% within the marketplace. It also provides interest-bearing savings accounts and deposit options, with all funds insured.

**Highlights:** Cashback up to 25% outside Ozon, Discounts up to 30% on Ozon, Interest-bearing savings and deposits, Free transfers without commission, Detailed spending analytics, Virtual and plastic card options

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 💎 Best bank
- 🚀 Smooth experience
- 💰 Great bonuses and interest rates

**What reviewers complain about**

- 🔍 Poor customer support
- 🐛 Buggy app and frequent crashes
- 🤖 Automated responses from chatbot
- 🔒 Unexpected account freezes
- 💳 Issues with card activation and usage

**Reported bugs**

- Login and authentication problems
- Inability to access account and funds
- Unreliable QR code payment processing
- Inconsistent app behavior across devices

**Requested features**

- Improve customer support response times
- Fix app stability and performance issues
- Enhance in-app chat functionality
- Add more flexible account management options
- Streamline card activation and usage


### 心流记账

[App page](https://appshunter.io/ios/app/id6763718213)

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

**In-app purchases:** none


## Frequently asked questions

### Is Ozon Банк free?

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

### Is 心流记账 free?

心流记账 costs $0.99, with no in-app purchases.

### Do Ozon Банк or 心流记账 have ads?

Neither Ozon Банк nor 心流记账 shows ads.

### Which is updated more often, Ozon Банк or 心流记账?

Ozon Банк ships an update every 10 days, and 心流记账 every 5 weeks. Most recently, Ozon Банк was updated on October 26, 2026 and 心流记账 on October 25, 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.*