# МОТИВ.Pay vs БАНК ОРЕНБУРГ

The clearest difference is rating: БАНК ОРЕНБУРГ at 4.5 against МОТИВ.Pay's 1.4. БАНК ОРЕНБУРГ also leads on ads (none vs shown) and update cadence (every 5 weeks vs every 5 months). МОТИВ.Pay's advantage is device support (3 vs 1) and iOS requirement (13.0 vs 16.0). On price, review sentiment, ratings volume 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.

БАНК ОРЕНБУРГ holds the better App Store score, 4.5 against 1.4. Both are backed by a comparable volume of ratings — 14 and 16 respectively. Written reviews point the same way: 4% of МОТИВ.Pay's written reviews are positive against 10% of БАНК ОРЕНБУРГ's.

МОТИВ.Pay ships an update every 5 months, БАНК ОРЕНБУРГ every 5 weeks. The most recent releases landed on October 23, 2026 and October 26, 2026 respectively.

## The numbers

| Metric | МОТИВ.Pay | БАНК ОРЕНБУРГ |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.4 (14 ratings)](https://appshunter.io/ios/app/pay/id965077720/reviews) | **[4.5 (16 ratings)](https://appshunter.io/ios/app/id1081331829/reviews)** |
| Number of ratings | 14 | **16** |
| Positive reviews | 3.9% of reviews | **10.3% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 5 months | **Every 5 weeks** |
| Monetization | Ad-supported | **Free** |
| Size | 123 MB | 37 MB |
| Requires iOS | **13.0** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [IT-PERSPEKTIVA OOO](https://appshunter.io/developer/965077719) | [АО "БАНК ОРЕНБУРГ"](https://appshunter.io/developer/1625854696) |

## What reviewers say

### МОТИВ.Pay

[App page](https://appshunter.io/ios/app/pay/id965077720)

Manage your finances with this app, offering virtual card issuance, money transfers, and bill payments. Earn cashback and receive bonuses as a subscriber. Unique features allow payments directly from your phone balance.

**Highlights:** Virtual MIR card issuance, Money transfers via phone number, details, or SBP, QR code payments, Utility and service bill payments, Expense tracking, Cashback on MIR card purchases, Mobile balance payments (for subscribers)

**In-app purchases:** none


### БАНК ОРЕНБУРГ

[App page](https://appshunter.io/ios/app/id1081331829)

Manage your bank accounts, cards, and loans on the go. Perform transfers, pay bills, and track expenses with ease. Access banking services securely from your mobile device.

**Highlights:** Account and card balance checks, Account and deposit opening, Loan application submission, Inter-account and external transfers, Bill payments (utilities, mobile, education), Transaction history and expense analysis, Card blocking and SMS notifications

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

**In-app purchases:** none


## Frequently asked questions

### Is МОТИВ.Pay free?

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

### Is БАНК ОРЕНБУРГ free?

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

### Which has better reviews, МОТИВ.Pay or БАНК ОРЕНБУРГ?

БАНК ОРЕНБУРГ is rated higher. МОТИВ.Pay averages 1.4 out of 5 from 14 ratings, while БАНК ОРЕНБУРГ averages 4.5 from 16 ratings.

### Do МОТИВ.Pay or БАНК ОРЕНБУРГ have ads?

МОТИВ.Pay shows ads; БАНК ОРЕНБУРГ does not.

### Which is updated more often, МОТИВ.Pay or БАНК ОРЕНБУРГ?

МОТИВ.Pay ships an update every 5 months, and БАНК ОРЕНБУРГ every 5 weeks. Most recently, МОТИВ.Pay was updated on October 23, 2026 and БАНК ОРЕНБУРГ on October 26, 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.*