OUTsurance vs Bank Zero
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
OUTsurance
Manage your insurance policies, get emergency assistance, and make claims easily. Start new quotes, buy funeral plans, and track your claims 24/7. Refer friends for discounts and join a smart driving program for premium savings.
- Manage insurance policies
- Start new insurance quotes
- Submit and track claims
- Request emergency assistance
- Refer friends for discounts
- Join SmartDrive program
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There’s only one way to get the most OUT of your insurance. And that’s with the OUTsurance app. Whether it’s managing your policy, helping you in an emergency, making claims easy, or even getting discounts when you successfully refer a friend, it’s all doable wherever you are, 24/7. Top features: • Start quotes for car, home contents, buildings, life and business insurance products. • Buy a funeral plan or OUTthere on-demand life cover in a few taps. • Add a new valuable to your existing policy. • View your policy details and OUTbonus amount with the respective due date. • Refer friends and family and get R1000 off our premium for every successful referral. • Register for our SmartDrive programme and receive up to 10% discount on your premium. • Request emergency assistance for your car and your home, 24/7. • Add a contact person to your policy and edit your own contact details. • Request changes to your current policies. • Request documents, such as confirmation of cover and policy schedules. • Update your vehicle registration details. • Complete a windscreen and geyser claim in record time. • Submit a claim for your products. • Track your entire claims process.
Bank Zero
A modern, app-driven bank offering robust financial services for individuals and businesses at no cost. Features include secure transactions, account management, and dedicated support. Explore unique banking functionalities and manage your finances seamlessly.
- App-driven banking
- Zero cost services
- Individual and business accounts
- Secure patented card
- Dedicated banking specialists
- Account opening and management
- Payment and transfer services
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Powerful and robust banking... at Zero cost! Bank Zero is a modern App-driven bank for individuals AND businesses. Customers also get a secure patented card and can chat via email with a dedicated team of banking specialists. Visit www.BankZero.co.za for 16 powerful unique features and more... You can do these banking activities: • Register • Open accounts including investments • Businesses banking and related functionality • Relationship Banking and Auth Chain • Opening of new business types - Pty, Solo, CC, NPO's, NPI's and Partnerships • Pay • Apple Pay • SARS/Public Recipient Pay • Transfer • Buy prepaid • Send Money • Pay via QR code • Pay many for multiple payments • Import recipient list for Pay Many using CSV upload • Pay Immediately • Stopping of Debit Orders • Update business FICA at any time • Download your statements and letters • Ability to switch daily emails on/off • Add your children (so they get full access) • Link people to your account, like friends and family • Setup owners/officials and the authorisation chain for your businesses
Screenshots
Verdict
The clearest difference is rating: OUTsurance at 4.8 against Bank Zero's 3.5. OUTsurance also leads on ratings volume (384 vs 12) and update cadence (fortnightly vs every 5 weeks). Bank Zero's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, review sentiment, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
OUTsurance holds the better App Store score, 4.8 against 3.5. That said, the two scores are not equally well evidenced: OUTsurance has 384 ratings behind it against 12, so its average is the more settled of the two. Written reviews complicate that: 62% of OUTsurance's written reviews are positive against 67% of Bank Zero's, so the app with the better star average is not the one people write more warmly about.
OUTsurance ships an update fortnightly, Bank Zero every 5 weeks. The most recent releases landed on October 26, 2026 and October 22, 2026 respectively.
| Parameter | OUTsurance | Bank Zero |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (384 ratings) — better | 3.5 (12 ratings) |
| Positive reviews | 62.1% of reviews | 66.7% of reviews — better |
| Number of ratings | 384 — better | 12 |
| Update frequency | Fortnightly — better | Every 5 weeks |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.6 | 12.0 — better |
| Further details — not scored | ||
| Size | 81 MB | 148 MB |
| Age rating | 4+ | 9+ |
| Developer | OUTsurance | Bank Zero |
Customer experience
OUTsurance
Bank Zero
Bugs and requests
OUTsurance
Reported bugs
13 issues- App keeps logging out frequently
- Smart Drive requires location services but permission is not requested
- App crashes after updates
- Inaccurate policy data displayed in the app
- Cannot add members to policy
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- Vehicle tracking not recording trips
- Biometric login is not functional
- Registration process for existing clients is broken
- App does not open after latest update
- Scanning barcode on license disc closes the app
- App doesn't show tracking on iPhone
- Email required error when loading info during vehicle insurance
- App keeps saying email is required when it's provided
Requested features
8 requests- Add ability to view last five years of claims details
- Increase font size based on device settings
- Allow points man requests after trip completion
- Enable fingerprint access for login
- Improve Smart Drive functionality for non-policyholders
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- Add dark mode option
- Improve app compatibility with older devices
- Allow viewing of policy details for multiple vehicles under one policy
Bank Zero
Not enough reviews yet to summarise bugs or requests.
In-app purchases
OUTsurance
No in-app purchases
Bank Zero
No in-app purchases
