# Райффайзен Онлайн Банк Россия vs МОТИВ.Pay

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.

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

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.

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.

## The numbers

| Metric | Райффайзен Онлайн Банк Россия | МОТИВ.Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (1.8K ratings)](https://appshunter.io/ios/app/id557857165/reviews)** | [1.4 (14 ratings)](https://appshunter.io/ios/app/pay/id965077720/reviews) |
| Number of ratings | **1.8K** | 14 |
| Positive reviews | **84.4% of reviews** | 3.9% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Every 10 days** | Every 5 months |
| Monetization | **Free** | Ad-supported |
| Size | 473 MB | 123 MB |
| Requires iOS | 16.0 | **13.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Raiffeisenbank Russia](https://appshunter.io/developer/557857168) | [IT-PERSPEKTIVA OOO](https://appshunter.io/developer/965077719) |

## What reviewers say

### Райффайзен Онлайн Банк Россия

[App page](https://appshunter.io/ios/app/id557857165)

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

**In-app purchases:** none

**What reviewers like**

- 👍 Intuitive and user-friendly
- 🚀 Fast and efficient
- 🔒 Secure banking experience
- 💳 Convenient banking features
- 💰 Great cashback and rewards

**What reviewers complain about**

- 🐛 Occasional app crashes and glitches
- ⏱️ Slow loading times
- 📱 High app size
- 🔍 Intrusive notification badges
- 🚫 Compatibility issues with older devices

**Reported bugs**

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

**Requested features**

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


### МОТИВ.Pay

[App page](https://appshunter.io/ios/app/pay/id965077720)

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)

**In-app purchases:** none


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