# OUTsurance vs Bank Zero

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.

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.

## The numbers

| Metric | OUTsurance | Bank Zero |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (384 ratings)](https://appshunter.io/ios/app/outsurance/id646353691/reviews)** | [3.5 (12 ratings)](https://appshunter.io/ios/app/bank-zero/id1514773975/reviews) |
| Number of ratings | **384** | 12 |
| Positive reviews | 62.1% of reviews | **66.7% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Fortnightly** | Every 5 weeks |
| Monetization | Free with in-app purchases | **Free** |
| Size | 81 MB | 148 MB |
| Requires iOS | 15.6 | **12.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 9+ |
| Developer | [OUTsurance](https://appshunter.io/developer/568869394) | [Bank Zero](https://appshunter.io/developer/1514773974) |

## What reviewers say

### OUTsurance

[App page](https://appshunter.io/ios/app/outsurance/id646353691)

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.

**Highlights:** Manage insurance policies, Start new insurance quotes, Submit and track claims, Request emergency assistance, Refer friends for discounts, Join SmartDrive program

**In-app purchases:** none

**What reviewers like**

- 👍 Simple and easy to use
- 🚀 Quick and efficient process
- 🚗 Convenient car inspection feature
- 💡 Innovative use of technology
- ✨ Outstanding customer service

**What reviewers complain about**

- 🐛 Buggy login/logout issues
- 🔋 High battery consumption
- 📍 Smart Drive location permission issues
- 📉 Inaccurate policy data in app
- 🔄 App crashes after updates

**Reported bugs**

- 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

**Requested features**

- 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


### Bank Zero

[App page](https://appshunter.io/ios/app/bank-zero/id1514773975)

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.

**Highlights:** App-driven banking, Zero cost services, Individual and business accounts, Secure patented card, Dedicated banking specialists, Account opening and management, Payment and transfer services

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is OUTsurance free?

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

### Is Bank Zero free?

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

### Which has better reviews, OUTsurance or Bank Zero?

OUTsurance is rated higher. OUTsurance averages 4.8 out of 5 from 384 ratings, while Bank Zero averages 3.5 from 12 ratings.

### Do OUTsurance or Bank Zero have ads?

OUTsurance shows ads; Bank Zero does not.

### Which is updated more often, OUTsurance or Bank Zero?

OUTsurance ships an update fortnightly, and Bank Zero every 5 weeks. Most recently, OUTsurance was updated on October 26, 2026 and Bank Zero on October 22, 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.*