# MBANK vs Zero

The clearest difference is rating: MBANK at 4.5 against Zero's 2.3. MBANK also leads on ratings volume (2K vs 3) and monetization model (free vs ad-supported). On price, review sentiment, update cadence and ads 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 2.3. That said, the two scores are not equally well evidenced: MBANK has 2K ratings behind it against 3, so its average is the more settled of the two. Written reviews complicate that: 72% of MBANK's written reviews are positive against 80% of Zero's, so the app with the better star average is not the one people write more warmly about.

MBANK ships an update fortnightly, Zero every 2 weeks. The most recent releases landed on September 25, 2026 and September 9, 2026 respectively.

## The numbers

| Metric | MBANK | Zero |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (2K ratings)](https://appshunter.io/ios/app/mbank/id922922121/reviews)** | [2.3 (3 ratings)](https://appshunter.io/ios/app/zero/id6738506887/reviews) |
| Number of ratings | **2K** | 3 |
| Positive reviews | 72.1% of reviews | **80.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 2 weeks |
| Monetization | **Free** | Ad-supported |
| Size | 386 MB | 195 MB |
| Requires iOS | 15.5 | 15.5 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [MBANK, OAO](https://appshunter.io/developer/966465279) | [Technologia CA](https://appshunter.io/developer/1781062573) |

## 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


### Zero

[App page](https://appshunter.io/ios/app/zero/id6738506887)

Purchase items now and pay in installments with zero interest and no down payment. Easily apply for a credit limit through the app and manage all your purchases and payments in one place. Access a wide network of partners for various goods and services.

**Highlights:** 0% interest and down payment, Wide network of partner stores, Easy online registration and limit approval, Catalog and map view of partners, Simple financial control and payment tracking, 24/7 multi-channel customer support

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

**In-app purchases:** none


## Frequently asked questions

### Is MBANK free?

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

### Is Zero free?

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

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

MBANK is rated higher. MBANK averages 4.5 out of 5 from 2K ratings, while Zero averages 2.3 from 3 ratings.

### Do MBANK or Zero have ads?

Neither MBANK nor Zero shows ads.

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

MBANK ships an update fortnightly, and Zero every 2 weeks. Most recently, MBANK was updated on September 25, 2026 and Zero on September 9, 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.*