# CREDINS online vs POK

The clearest difference is review sentiment: POK at 50% against CREDINS online's 7%. POK also leads on rating (4.4 vs 2.0) and update cadence (monthly vs every 3 months). CREDINS online's advantage is ads (none vs shown) and monetization model (free vs ad-supported). On price, 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.

POK holds the better App Store score, 4.4 against 2.0. Both are backed by a comparable volume of ratings — 44 and 14 respectively. Written reviews point the same way: 7% of CREDINS online's written reviews are positive against 50% of POK's.

CREDINS online ships an update every 3 months, POK monthly. Both last shipped on October 24, 2026.

## The numbers

| Metric | CREDINS online | POK |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.0 (44 ratings)](https://appshunter.io/ios/app/credins-online/id726998673/reviews) | **[4.4 (14 ratings)](https://appshunter.io/ios/app/pok/id1590835547/reviews)** |
| Number of ratings | **44** | 14 |
| Positive reviews | 6.8% of reviews | **50.0% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 3 months | **Monthly** |
| Monetization | **Free** | Ad-supported |
| Size | 46 MB | 181 MB |
| Requires iOS | 17.0 | **15.6** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [CREDINS bank](https://appshunter.io/developer/726998676) | [R PAY](https://appshunter.io/developer/1554858888) |

## What reviewers say

### CREDINS online

[App page](https://appshunter.io/ios/app/credins-online/id726998673)

Manage your banking needs remotely through this digital platform. Perform transactions, check balances, and apply for services without visiting a branch. Advanced security features ensure your financial data remains protected.

**Highlights:** Check account balances and history, Perform internal, domestic, and international transfers, Pay utility bills and standing orders, Currency exchange services, Online application for banking products, Biometric identification (Face/Fingerprint), SMS authorization codes

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

**In-app purchases:** none


### POK

[App page](https://appshunter.io/ios/app/pok/id1590835547)

Manage your money with fast, secure transactions, bill payments, and digital cards. Gain insights into your spending and enjoy exclusive benefits with premium card options. Take full control of your finances anytime, anywhere.

**Highlights:** Instant money transfers, Bill and utility payments, Digital VISA cards, Spending insights, QR code payments, Biometric login

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

**In-app purchases:** none


## Frequently asked questions

### Is CREDINS online free?

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

### Is POK free?

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

### Which has better reviews, CREDINS online or POK?

POK is rated higher. CREDINS online averages 2.0 out of 5 from 44 ratings, while POK averages 4.4 from 14 ratings.

### Do CREDINS online or POK have ads?

POK shows ads; CREDINS online does not.

### Which is updated more often, CREDINS online or POK?

CREDINS online ships an update every 3 months, and POK monthly. Most recently, CREDINS online was updated on October 24, 2026 and POK on October 24, 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.*