# MBANK vs Мой О! + Банк

MBANK and Мой О! + Банк both sit at 4.5 stars, but that hides the real split: 72% of MBANK's written reviews are positive against 23% of Мой О! + Банк's. MBANK also leads on ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, rating, 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.

On the App Store both sit at effectively the same score — 4.5 for MBANK against 4.5 for Мой О! + Банк. Both are backed by a comparable volume of ratings — 2K and 473 respectively. Written reviews are what separate them: 72% of MBANK's written reviews are positive against 23% of Мой О! + Банк's.

Both ship on a similar rhythm, roughly fortnightly. The most recent releases landed on September 25, 2026 and September 22, 2026 respectively.

## The numbers

| Metric | MBANK | Мой О! + Банк |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.5 (2K ratings)](https://appshunter.io/ios/app/mbank/id922922121/reviews) | [4.5 (473 ratings)](https://appshunter.io/ios/app/plus/id1257075492/reviews) |
| Number of ratings | **2K** | 473 |
| Positive reviews | **72.1% of reviews** | 22.9% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Fortnightly | Fortnightly |
| Monetization | **Free** | Free with in-app purchases |
| Size | 386 MB | 293 MB |
| Requires iOS | **15.5** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [MBANK, OAO](https://appshunter.io/developer/966465279) | [NUR Telecom LLC](https://appshunter.io/developer/1202124575) |

## 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


### Мой О! + Банк

[App page](https://appshunter.io/ios/app/plus/id1257075492)

This super app combines mobile banking, a personal account for a mobile operator, and a marketplace. It allows users to manage finances, pay bills, shop online, book flights, and earn rewards, all in one place.

**Highlights:** Mobile banking with accounts and cards, Bill payments and government services, Online marketplace with diverse goods, Flight booking and travel deals, Loyalty bonuses and cashback, Personal mobile operator account management

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

**In-app purchases:** none

**What reviewers like**

- 👍 Convenient terminals nearby
- 👍 Balance top-up without commission
- 👍 Can view package balance
- 👍 Good functionality (older review)
- 👍 Fast and functional (older review)

**What reviewers complain about**

- 🐛 Slow download/upload speeds
- 🐛 Frequent service outages
- 🐛 Unreliable internet connection
- 🐛 Money deducted without reason
- 🐛 Difficult money withdrawal

**Reported bugs**

- App not working after a day
- Slow download speeds
- Identification takes hours
- Service unavailable without warning
- Unable to transfer money between balance and bank account

**Requested features**

- Add push notifications for internet payments
- Create a separate app for 'My O' users
- Allow robot to work offline
- Add option for full English translation
- Allow adding favorite accounts/phone numbers for payments


## Frequently asked questions

### Is MBANK free?

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

### Is Мой О! + Банк free?

Мой О! + Банк is free to download, with no in-app purchases.

### Which has better reviews, MBANK or Мой О! + Банк?

MBANK and Мой О! + Банк are both rated 4.5 out of 5 on the App Store, from 2K and 473 ratings respectively.

### Do MBANK or Мой О! + Банк have ads?

Мой О! + Банк shows ads; MBANK does not.

### Which is updated more often, MBANK or Мой О! + Банк?

MBANK ships an update fortnightly, and Мой О! + Банк fortnightly. Most recently, MBANK was updated on September 25, 2026 and Мой О! + Банк on September 22, 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.*