# Ipoteka Mobile vs Baraka Citizen

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.

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

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.

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

## The numbers

| Metric | Ipoteka Mobile | Baraka Citizen |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.2 (5 ratings)](https://appshunter.io/ios/app/ipoteka-mobile/id6502378970/reviews) | **[4.2 (10 ratings)](https://appshunter.io/ios/app/baraka-citizen/id6751099217/reviews)** |
| Number of ratings | 5 | **10** |
| Positive reviews | 0.0% of reviews | — |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 4 weeks | **Every 3 weeks** |
| Monetization | Ad-supported | **Free** |
| Size | 115 MB | 156 MB |
| Requires iOS | **17.2** | 17.6 |
| Devices | iPhone | iPhone |
| Age rating | 17+ | 4+ |
| Developer | [IPOTEKA-BANK ATIB](https://appshunter.io/developer/1298501703) | [National Agency of Social Protection under the President of the Republic of Uzbekistan](https://appshunter.io/developer/1797241208) |

## What reviewers say

### Ipoteka Mobile

[App page](https://appshunter.io/ios/app/ipoteka-mobile/id6502378970)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### Baraka Citizen

[App page](https://appshunter.io/ios/app/baraka-citizen/id6751099217)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*