# MBANK vs BakAi

The clearest difference is review sentiment: MBANK at 73% against BakAi's 50%. MBANK also leads on ratings volume (2.2K vs 393). BakAi's advantage is rating (4.7 vs 4.5). 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.

BakAi holds the better App Store score, 4.7 against 4.5. That said, the two scores are not equally well evidenced: MBANK has 2.2K ratings behind it against 393, so its average is the more settled of the two. Written reviews complicate that: 73% of MBANK's written reviews are positive against 50% of BakAi's, so the app with the better star average is not the one people write more warmly about.

MBANK ships an update fortnightly, BakAi every 4 weeks. The most recent releases landed on October 26, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | MBANK | BakAi |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.5 (2.2K ratings)](https://appshunter.io/ios/app/mbank/id922922121/reviews) | **[4.7 (393 ratings)](https://appshunter.io/ios/app/bakai/id1294108123/reviews)** |
| Number of ratings | **2.2K** | 393 |
| Positive reviews | **72.6% of reviews** | 50.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 4 weeks |
| Monetization | Free | Free |
| Size | 386 MB | 275 MB |
| Requires iOS | 15.5 | 15.5 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [MBANK, OAO](https://appshunter.io/developer/966465279) | [OJSC BAKAI BANK](https://appshunter.io/developer/1205363870) |

## 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


### BakAi

[App page](https://appshunter.io/ios/app/bakai/id1294108123)

This mobile banking app offers convenient payments for various services, access to government services, and quick financial solutions like online loans and card management. It prioritizes innovative security with remote video identification.

**Highlights:** Convenient payments for utilities, internet, mobile, taxes, games, Access to over ten government services, Online loans up to 200,000 som, Money transfers to Russia and Kazakhstan cards, Virtual card opening and physical card ordering, Remote video identification for security, Account and card management

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

**In-app purchases:** none

**What reviewers like**

- 👍 Intuitive and user-friendly interface
- 🚀 Fast and responsive application performance
- 💳 Convenient QR code transfer functionality
- 🌍 Excellent service for international users and non-residents
- 📧 Innovative 3DS code delivery via email for travel convenience

**What reviewers complain about**

- 🐛 Frequent application crashes and freezes
- 🔐 Overly restrictive account blocking and card freezing
- 📵 Push notifications not working properly
- 🔄 Confusing and poorly explained account recovery process
- 💸 Unexplained currency conversion rate issues

**Reported bugs**

- Application crashes upon opening after updates
- Cannot log in to app - stuck on authorization screen
- App crashes every 5 seconds after recent update
- QR code transfer functionality fails intermittently
- Phone number transfer feature unavailable for non-residents

**Requested features**

- Add comment/memo field for QR code transfers
- Relocate QR scanner to more accessible location
- Enable phone number change for non-residents without visiting branch
- Add Apple Pay and Google Pay integration
- Implement monthly expense summary on home screen


## Frequently asked questions

### Is MBANK free?

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

### Is BakAi free?

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

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

BakAi is rated higher. MBANK averages 4.5 out of 5 from 2.2K ratings, while BakAi averages 4.7 from 393 ratings.

### Do MBANK or BakAi have ads?

Neither MBANK nor BakAi shows ads.

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

MBANK ships an update fortnightly, and BakAi every 4 weeks. Most recently, MBANK was updated on October 26, 2026 and BakAi 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.*