Comparison

Райффайзен Онлайн Банк Россия vs МОТИВ.Pay

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Райффайзен Онлайн Банк Россия

Manage your finances, make secure payments, and transfer money with this mobile banking app. It offers features like currency exchange, opening new products, and expense tracking. Access a full bank branch in your pocket for 24/7 convenience.

Highlights
  • Manage accounts and cards
  • Secure payments and money transfers
  • Currency exchange
  • Open new products
  • Control expenses
  • Online consultation with bank employees
  • QR code scanning for transfers
Read full description

Open a Cashback debit card with free service in Raiffeisen Online. Using Raiffeisen Online mobile app, you can manage your accounts and cards, make secure payments and money transfers, exchange currency, open new products, control expenses and get direct online consultation with Bank employees. This is a whole bank branch in your pocket, ready to solve your daily tasks. Simple. Convenient. 24/7. Download and manage your personal finance wherever and whenever you want. Main screen • balances of your products • personalized customization • favorite transaction templates • managed list of accounts and cards: adding and hiding of products • quick access to transactions history, forms of payments and transfers, chat, app settings Payments and transfers • transfers by phone number to Raiffeisen Bank customers and participants of the Quick Payment System (Alfa-Bank, Tinkoff, VTB, and many others) • free transfers to Raiffeisen Bank cards from cards of other banks • quick transfers between your accounts, within the Bank, and to other banks • convenient card-to-card transfers to any Russian bank • free-of-charge payments for various services (mobile, Internet, TV) Products management • online opening of new accounts, debit cards and insurance programs • ordering documents and certificates • favorable exchange rates for transfers between your accounts • card PIN code change in case of loss or theft Payments of utilities, tax arrears, traffic and parking fines • commission-free payments of fines, tax debts, and housing services by Personal Account Number (ELS) • easy payment of accruals • searching for tax arrears by INN (TIN) • subscription to notifications about new bills and accruals Extra features • templates for transfers — you don’t have to fill up details again • automatic payments • QR code scanning for automatically filling up the transfer details • access to online banking for the additional cardholders Information Services • online chat with Bank employees • searching of nearest branches and ATMs • history of incoming SMS and push notifications • individual offers from the Bank, special offers and discounts from our partners • Expenses Accounting Service service for analyzing your spending Be successful with Raiffeisen Online without borders. All you need is the internet. Cashback card Loyalty program: https://www.raiffeisen.ru/static/common/CCard-images/cashback-card-rules.pdf Tariffs for bank cards service: https://www.raiffeisen.ru/common/img/uploaded/files/retail/cards/Tariffs_Debit_Cards_walk-in_rus_current_cards.pdf All tariffs: https://www.raiffeisen.ru/tariffs/ The best mobile bank 2023 among available on the App Store by Go Banking Awards 2023: https://goahead.ai/goawards/gobanking2023/ Support: info@raiffeisen.ru, +7 495 775-52-03 (Moscow), 8 800 700-00-72 (toll-free calls within Russia except for Moscow district) or contact us anytime via online chat. © Copyright 2003–2024 «Raiffeisenbank» CBR License №3292 from 17.02.2015

About

МОТИВ.Pay

Manage your finances with this app, offering virtual card issuance, money transfers, and bill payments. Earn cashback and receive bonuses as a subscriber. Unique features allow payments directly from your phone balance.

Highlights
  • Virtual MIR card issuance
  • Money transfers via phone number, details, or SBP
  • QR code payments
  • Utility and service bill payments
  • Expense tracking
  • Cashback on MIR card purchases
  • Mobile balance payments (for subscribers)
Read full description

МОТИВ.Pay - Ваш личный помощник для управления финансами. Открывайте вклады, оформляйте виртуальную карту МИР, переводите деньги, оплачивайте услуги прямо в приложении - быстро, удобно и без лишних комиссий. Получайте кэшбэк рублями по карте МИР, а если Вы - абонент Мотив, начислим дополнительный бонус на счёт мобильного телефона. Основные функции: - Открытие и закрытие счетов и вкладов - Быстрый выпуск виртуальной карты МИР - Переводы по номеру телефона, по реквизитам и через СБП - Оплата по QR-коду - Оплата ЖКХ, интернета, телевидения и других услуг - Отслеживание расходов Переводы - легко и быстро: - По номеру телефона в другие банки без комиссии через СБП - С карты на карту любого банка РФ - Между своими счетами, внутри банка и в другие банки Кэшбэк рублями Платите виртуальной картой МИР и получайте кэшбэк рублями. Настоящими. Без баллов и сроков годности. Бонус для абонентов Мотив Оформили карту МИР и пользуетесь номером Мотив? Получайте дополнительные бонусы за покупки на счёт мобильного телефона. Платежи прямо с баланса телефона Уникальная возможность для абонентов Мотив: совершайте покупки, оплачивайте услуги и переводите деньги напрямую с баланса телефона. Без комиссии и лишних движений.

Screenshots

Райффайзен Онлайн Банк Россия4 screens
МОТИВ.Pay4 screens

Verdict

The call

The clearest difference is review sentiment: Райффайзен Онлайн Банк Россия at 84% against МОТИВ.Pay's 4%. Райффайзен Онлайн Банк Россия also leads on rating (4.8 vs 1.4) and ads (none vs shown). МОТИВ.Pay's advantage is iOS requirement (13.0 vs 16.0). On price, in-app purchases and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

Райффайзен Онлайн Банк Россия holds the better App Store score, 4.8 against 1.4. That said, the two scores are not equally well evidenced: Райффайзен Онлайн Банк Россия has 1.8K ratings behind it against 14, so its average is the more settled of the two. Written reviews point the same way: 84% of Райффайзен Онлайн Банк Россия's written reviews are positive against 4% of МОТИВ.Pay's.

UpkeepUpdate frequency

Райффайзен Онлайн Банк Россия ships an update every 10 days, МОТИВ.Pay every 5 months. The most recent releases landed on October 21, 2026 and October 15, 2026 respectively.

Scorecard7 real differences · 3 level
Райффайзен Онлайн Банк Россия versus МОТИВ.Pay: the parameters behind the verdict, then further details
ParameterРайффайзен Онлайн Банк РоссияМОТИВ.Pay
PriceFreeFree
Rating4.8 (1.8K ratings) — better1.4 (14 ratings)
Positive reviews84.4% of reviews — better3.9% of reviews
Number of ratings1.8K — better14
Update frequencyEvery 10 days — betterEvery 5 months
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.013.0 — better
Further details — not scored
Size473 MB123 MB
Age rating4+4+
DeveloperRaiffeisenbank RussiaIT-PERSPEKTIVA OOO

Customer experience

Райффайзен Онлайн Банк Россия

All ratings1,758 ratings
Positive95.2%
Neutral0.8%
Negative4.0%
Written reviews665 reviews
Positive84.4%
Neutral2.7%
Negative12.9%

МОТИВ.Pay

All ratings13 ratings
Positive7.7%
Neutral0.0%
Negative92.3%
Written reviews51 reviews
Positive3.9%
Neutral0.0%
Negative96.1%

Bugs and requests

Райффайзен Онлайн Банк Россия

Reported bugs

3 issues
  • Login screen freezes
  • Inability to see chat messages
  • Debit account selection issues

Requested features

4 requests
  • Add back gesture navigation
  • Improve transaction templates and repetition
  • Introduce dark mode option
  • Provide more personalized offers and recommendations

МОТИВ.Pay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Райффайзен Онлайн Банк Россия

No in-app purchases

None

МОТИВ.Pay

No in-app purchases

Questions

Is Райффайзен Онлайн Банк Россия free?
Райффайзен Онлайн Банк Россия is free to download, with no in-app purchases.
Is МОТИВ.Pay free?
МОТИВ.Pay is free to download, with no in-app purchases.
Which has better reviews, Райффайзен Онлайн Банк Россия or МОТИВ.Pay?
Райффайзен Онлайн Банк Россия is rated higher. Райффайзен Онлайн Банк Россия averages 4.8 out of 5 from 1.8K ratings, while МОТИВ.Pay averages 1.4 from 14 ratings.
Do Райффайзен Онлайн Банк Россия or МОТИВ.Pay have ads?
МОТИВ.Pay shows ads; Райффайзен Онлайн Банк Россия does not.
Which is updated more often, Райффайзен Онлайн Банк Россия or МОТИВ.Pay?
Райффайзен Онлайн Банк Россия ships an update every 10 days, and МОТИВ.Pay every 5 months. Most recently, Райффайзен Онлайн Банк Россия was updated on October 21, 2026 and МОТИВ.Pay on October 15, 2026.

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