# Paganza vs OCA

The clearest difference is review sentiment: Paganza at 82% against OCA's 29%. OCA's advantage is rating (4.8 vs 4.0) and monetization model (free vs free with in-app purchases). On price, update cadence, ads and in-app purchases there is nothing between them.

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

OCA holds the better App Store score, 4.8 against 4.0. That said, the two scores are not equally well evidenced: OCA has 324 ratings behind it against 54, so its average is the more settled of the two. Written reviews complicate that: 82% of Paganza's written reviews are positive against 29% of OCA's, so the app with the better star average is not the one people write more warmly about.

Paganza ships an update every 5 weeks, OCA every 3 weeks. Both last shipped on October 16, 2026.

## The numbers

| Metric | Paganza | OCA |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.0 (54 ratings)](https://appshunter.io/ios/app/paganza/id566320731/reviews) | **[4.8 (324 ratings)](https://appshunter.io/ios/app/oca/id1450506124/reviews)** |
| Number of ratings | 54 | **324** |
| Positive reviews | **82.2% of reviews** | 28.6% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Every 3 weeks** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 33 MB | 285 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Paganza](https://appshunter.io/developer/566320734) | [OCA S.A.](https://appshunter.io/developer/674702227) |

## What reviewers say

### Paganza

[App page](https://appshunter.io/ios/app/paganza/id566320731)

Send money to contacts, pay recurring bills, and make faster payments at merchants using your phone. Manage all your finances from one place, with options to link bank accounts or use a digital prepaid wallet.

**Highlights:** Send money to contacts, Pay recurring bills, Mobile payments at merchants, Manage over 1,000 services, Bill reminders, Link bank accounts, Digital prepaid wallet

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- ⏱️ Saves time
- 💡 Innovative for Uruguay
- ✅ Reliable
- 💰 Convenient for payments

**What reviewers complain about**

- 🐌 Slow performance
- 🐛 App instability
- ⚠️ Frequent bugs
- 📱 Incompatible with older iOS
- 😩 Confusing interface

**Reported bugs**

- App does not update
- App is unstable and crashes repeatedly
- Interface has many bugs
- App is very slow
- App makes the phone overheat

**Requested features**

- Immediate payment processing
- Support for all banks
- iPad app for expense visualization
- Touch ID integration


### OCA

[App page](https://appshunter.io/ios/app/oca/id1450506124)

Manage your financial accounts, apply for credit cards, loans, and insurance. View and download statements, pay bills, recharge your phone, and secure your cards with temporary blocking. Enjoy daily benefits and free transfers.

**Highlights:** Biometric login, Apply for credit and loans, View and download statements, Pay credit card bills, Mobile recharge, Card blocking and unblocking, Free transfers

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

**In-app purchases:** none


## Frequently asked questions

### Is Paganza free?

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

### Is OCA free?

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

### Which has better reviews, Paganza or OCA?

OCA is rated higher. Paganza averages 4.0 out of 5 from 54 ratings, while OCA averages 4.8 from 324 ratings.

### Do Paganza or OCA have ads?

Neither Paganza nor OCA shows ads.

### Which is updated more often, Paganza or OCA?

Paganza ships an update every 5 weeks, and OCA every 3 weeks. Most recently, Paganza was updated on October 16, 2026 and OCA on October 16, 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.*