# MBANK vs Optima24

The clearest difference is rating: MBANK at 4.5 against Optima24's 3.5. MBANK also leads on review sentiment (72% vs 50%) and ratings volume (2K vs 199). On price, update cadence, ads 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.

MBANK holds the better App Store score, 4.5 against 3.5. That said, the two scores are not equally well evidenced: MBANK has 2K ratings behind it against 199, so its average is the more settled of the two. Written reviews point the same way: 72% of MBANK's written reviews are positive against 50% of Optima24's.

MBANK ships an update fortnightly, Optima24 every 2 weeks. The most recent releases landed on September 22, 2026 and September 23, 2026 respectively.

## The numbers

| Metric | MBANK | Optima24 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (2K ratings)](https://appshunter.io/ios/app/mbank/id922922121/reviews)** | [3.5 (199 ratings)](https://appshunter.io/ios/app/optima24/id1021852052/reviews) |
| Number of ratings | **2K** | 199 |
| Positive reviews | **72.2% of reviews** | 50.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Fortnightly | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 386 MB | 358 MB |
| Requires iOS | **15.5** | 15.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [MBANK, OAO](https://appshunter.io/developer/966465279) | [Optima Bank OAO](https://appshunter.io/developer/1575934233) |

## What reviewers say

### MBANK

[App page](https://appshunter.io/ios/app/mbank/id922922121)

Manage your bank accounts and cards remotely with instant virtual card issuance and online loan applications. Pay bills, top up cards from various countries, and find nearby ATMs and exchange rates.

**Highlights:** Remote account and card management, Instant virtual card issuance, Online loan applications, Bill payments and over 1000 other payments, Card and e-wallet top-ups, ATM and branch locator, Currency exchange rates and calculator

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

**In-app purchases:** none

**What reviewers like**

- 👍 Convenient
- 👍 Easy to use
- 👍 Reliable
- 👍 Excellent app
- 👍 Useful

**What reviewers complain about**

- 🐛 Frequent glitches
- 🐛 Crashes often
- 🐛 Doesn't work when needed
- 🐛 Unreliable
- 🔋 High battery consumption

**Reported bugs**

- Login screen freezes
- QR code scanning not working
- Incorrect balance display
- Transfers getting stuck in processing

**Requested features**

- Add Kyrgyz language option
- Improve customer support response time
- Allow account closure without visiting branch
- Integrate with Apple Pay and Google Wallet


### Optima24

[App page](https://appshunter.io/ios/app/optima24/id1021852052)

Manage your finances with this secure and technological mobile app. It offers instant transfers, bill payments, loan and deposit options, and account management. Access card discounts and generate statements easily.

**Highlights:** Instant card transfers, International Visa transfers, Interbank transfers, Bill and service payments, Online loans and deposits, Account statement generation, Card discount catalog

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

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly and intuitive interface
- 💼 Reliable banking service
- 🌍 Convenient for international transactions
- ⭐ Good customer service at branches
- 📱 Stable app performance after recent updates

**What reviewers complain about**

- 🐛 Frequent app crashes and freezes
- ⏳ Slow loading times and infinite loading
- 🔄 Constant need for app updates
- ❌ Balance display issues
- 📊 Payment history not loading

**Reported bugs**

- App crashes during authentication and Face ID
- Cannot transfer between own accounts
- Dollar account currency conversion errors
- Cannot open deposits from dollar accounts
- White screen after identification process

**Requested features**

- Apple Pay integration
- QR code scanning and payment functionality
- Dollar-denominated deposits
- Template saving for transfers
- Improved multi-currency account handling


## Frequently asked questions

### Is MBANK free?

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

### Is Optima24 free?

Optima24 is free to download, with no in-app purchases.

### Which has better reviews, MBANK or Optima24?

MBANK is rated higher. MBANK averages 4.5 out of 5 from 2K ratings, while Optima24 averages 3.5 from 199 ratings.

### Do MBANK or Optima24 have ads?

Neither MBANK nor Optima24 shows ads.

### Which is updated more often, MBANK or Optima24?

MBANK ships an update fortnightly, and Optima24 every 2 weeks. Most recently, MBANK was updated on September 22, 2026 and Optima24 on September 23, 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.*