# Simbank vs Zero

The clearest difference is rating: Simbank at 4.7 against Zero's 2.3. Simbank also leads on ratings volume (202 vs 3) and update cadence (weekly vs every 2 weeks). Zero's advantage is ads (none vs shown) and review sentiment (80% vs 55%). On price, in-app purchases, device support and iOS requirement there is nothing between them.

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

Simbank holds the better App Store score, 4.7 against 2.3. That said, the two scores are not equally well evidenced: Simbank has 202 ratings behind it against 3, so its average is the more settled of the two. Written reviews complicate that: 55% of Simbank's written reviews are positive against 80% of Zero's, so the app with the better star average is not the one people write more warmly about.

Simbank ships an update weekly, Zero every 2 weeks. The most recent releases landed on September 23, 2026 and September 9, 2026 respectively.

## The numbers

| Metric | Simbank | Zero |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (202 ratings)](https://appshunter.io/ios/app/simbank/id6499126462/reviews)** | [2.3 (3 ratings)](https://appshunter.io/ios/app/zero/id6738506887/reviews) |
| Number of ratings | **202** | 3 |
| Positive reviews | 54.5% of reviews | **80.0% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Weekly** | Every 2 weeks |
| Monetization | Free with in-app purchases | **Ad-supported** |
| Size | 420 MB | 195 MB |
| Requires iOS | 16.0 | **15.5** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 17+ | 4+ |
| Developer | [Dos Credobank](https://appshunter.io/developer/1265499317) | [Technologia CA](https://appshunter.io/developer/1781062573) |

## What reviewers say

### Simbank

[App page](https://appshunter.io/ios/app/simbank/id6499126462)

This mobile banking app offers a convenient way to manage finances, access credit, and make payments. Enjoy features like cashback, savings accounts with interest, and commission-free transactions. It simplifies banking procedures with a user-friendly interface and secure services.

**Highlights:** Online credit up to 200,000 сом, Cashback up to 20%, Savings accounts with 7% annual interest, Commission-free payments and transfers, Deposit accounts with up to 14% annual interest, Card management and security features, 24/7 customer support

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

**In-app purchases:** none


### Zero

[App page](https://appshunter.io/ios/app/zero/id6738506887)

Purchase items now and pay in installments with zero interest and no down payment. Easily apply for a credit limit through the app and manage all your purchases and payments in one place. Access a wide network of partners for various goods and services.

**Highlights:** 0% interest and down payment, Wide network of partner stores, Easy online registration and limit approval, Catalog and map view of partners, Simple financial control and payment tracking, 24/7 multi-channel customer support

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

**In-app purchases:** none


## Frequently asked questions

### Is Simbank free?

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

### Is Zero free?

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

### Which has better reviews, Simbank or Zero?

Simbank is rated higher. Simbank averages 4.7 out of 5 from 202 ratings, while Zero averages 2.3 from 3 ratings.

### Do Simbank or Zero have ads?

Simbank shows ads; Zero does not.

### Which is updated more often, Simbank or Zero?

Simbank ships an update weekly, and Zero every 2 weeks. Most recently, Simbank was updated on September 23, 2026 and Zero on September 9, 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.*