Comparison

Ipoteka Mobile vs Baraka Citizen

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Ipoteka Mobile

Manage your finances with a secure and modern banking service. Perform instant transfers, apply for loans, exchange currency, and pay bills anytime. Offers full control over accounts and cards with biometric login.

Highlights
  • 0% commission P2P transfers
  • Instant cash loan applications
  • Favorable currency exchange
  • Full account and card control
  • Secure biometric login
  • 24/7 utility and service payments
Features
Read full description

Ipoteka Mobile is your fast, secure, and modern banking service. Manage your finances effortlessly with the official Ipoteka Bank mobile app. Make everyday banking simple—from instant transfers to smart financial tools—all in one place. Key Features - P2P transfers with 0% commission Instantly send money to any card—commission-free. - Instant cash loans Apply for cash loans directly in the app and get quick approval without visiting a branch. - Favorable currency exchange Exchange US dollars and sums at a favorable rate—with 0% markup. - Full control over your accounts Track your balance, view transaction history, manage your cards, and control your spending. - Secure login and payments Biometrics, PIN code, and multi-level security ensure the safety of your money. - 24/7 payments and services Pay for utilities, mobile phone, internet, and much more – anytime. Why customers choose Ipoteka Mobile * Modern and intuitive interface * Quick registration in just a few steps * High level of security and encryption * Regular updates and new features * Reliable support from one of Uzbekistan's leading banks Your banking. Your rules. Download Ipoteka Mobile today and manage your finances with confidence.

About

Baraka Citizen

Manage your finances, receive social benefits, and store personal documents. Make local and international payments, track your balance, and pay bills and fines. Save recurring payment templates for convenience.

Highlights
  • Apply for and track social benefits
  • Transfer money between cards
  • View real-time balance and transaction history
  • Pay state services, utilities, and fines
  • Save recurring payment templates
Features
Read full description

Baraka — moliyaviy amaliyotlaringizni bajarish, ijtimoiy nafaqalaringizni olish va shaxsingizga oid hujjatlarni saqlash uchun rasmiy ilova. U orqali mahalliy va xalqaro miqyosida to‘lovlarni amalga oshira olasiz. Baraka quyidagi imkoniyatlarni Sizga taklif qiladi: ijtimoiy nafaqalar va yordam turlariga ariza topshirish va ularni nazorat qilish kartadan kartaga pul o‘tkazish balans va tranzaksiyalar tarixini real vaqt rejimida ko‘rish davlat xizmatlari, kommunal to‘lovlar va jarimalarni to‘lash o‘zingiz doimiy to‘lov qiladigan takroriy xizmatlar namunalarini saqlab qo‘yish

Screenshots

Ipoteka Mobile4 screens
Baraka Citizen4 screens

Verdict

The call

The clearest difference is rating: Baraka Citizen at 4.2 against Ipoteka Mobile's 3.2. Baraka Citizen also leads on ads (none vs shown) and monetization model (free vs ad-supported). On price, ratings volume, update cadence and in-app purchases 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

Baraka Citizen holds the better App Store score, 4.2 against 3.2. Both are backed by a comparable volume of ratings — 5 and 10 respectively.

UpkeepUpdate frequency

Ipoteka Mobile ships an update every 4 weeks, Baraka Citizen every 3 weeks. Both last shipped on October 30, 2026.

Scorecard3 real differences · 7 level
Ipoteka Mobile versus Baraka Citizen: the parameters behind the verdict, then further details
ParameterIpoteka MobileBaraka Citizen
PriceFreeFree
Rating3.2 (5 ratings)4.2 (10 ratings) — better
Positive reviews0.0% of reviews—
Number of ratings510 — better
Update frequencyEvery 4 weeksEvery 3 weeks — better
AdsYesNo — better
In-app purchasesNoNo
MonetizationAd-supportedFree — better
DevicesiPhoneiPhone
Requires iOS17.2 — better17.6
Further details — not scored
Size115 MB156 MB
Age rating17+4+
DeveloperIPOTEKA-BANK ATIBNational Agency of Social Protection under the President of the Republic of Uzbekistan

Customer experience

Ipoteka Mobile

All ratings5 ratings
Positive40.0%
Neutral20.0%
Negative40.0%
Written reviews1 reviews
Positive0.0%
Neutral100.0%
Negative0.0%

Baraka Citizen

All ratings9 ratings
Positive77.8%
Neutral0.0%
Negative22.2%

In-app purchases

None

Ipoteka Mobile

No in-app purchases

None

Baraka Citizen

No in-app purchases

Questions

Is Ipoteka Mobile free?
Ipoteka Mobile is free to download, with no in-app purchases.
Is Baraka Citizen free?
Baraka Citizen is free to download, with no in-app purchases.
Which has better reviews, Ipoteka Mobile or Baraka Citizen?
Baraka Citizen is rated higher. Ipoteka Mobile averages 3.2 out of 5 from 5 ratings, while Baraka Citizen averages 4.2 from 10 ratings.
Do Ipoteka Mobile or Baraka Citizen have ads?
Ipoteka Mobile shows ads; Baraka Citizen does not.
Which is updated more often, Ipoteka Mobile or Baraka Citizen?
Ipoteka Mobile ships an update every 4 weeks, and Baraka Citizen every 3 weeks. Most recently, Ipoteka Mobile was updated on October 30, 2026 and Baraka Citizen on October 30, 2026.

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