# МОТИВ.Pay vs Ozon Банк

The clearest difference is rating: Ozon Банк at 4.2 against МОТИВ.Pay's 1.4. Ozon Банк also leads on ads (none vs shown) and update cadence (every 10 days vs every 5 months). МОТИВ.Pay's advantage is iOS requirement (13.0 vs 15.0). On price, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Ozon Банк holds the better App Store score, 4.2 against 1.4. That said, the two scores are not equally well evidenced: Ozon Банк has 920 ratings behind it against 14, so its average is the more settled of the two. Written reviews point the same way: 4% of МОТИВ.Pay's written reviews are positive against 18% of Ozon Банк's.

МОТИВ.Pay ships an update every 5 months, Ozon Банк every 10 days. The most recent releases landed on November 1, 2026 and November 7, 2026 respectively.

## The numbers

| Metric | МОТИВ.Pay | Ozon Банк |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.4 (14 ratings)](https://appshunter.io/ios/app/pay/id965077720/reviews) | **[4.2 (920 ratings)](https://appshunter.io/ios/app/ozon/id1629869891/reviews)** |
| Number of ratings | 14 | **920** |
| Positive reviews | 3.9% of reviews | **17.5% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 5 months | **Every 10 days** |
| Monetization | Ad-supported | **Free** |
| Best chart rank | — | **#143** |
| Size | 123 MB | 252 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [IT-PERSPEKTIVA OOO](https://appshunter.io/developer/965077719) | [OZON MARKETPLEIS KAZAKHSTAN, TOO](https://appshunter.io/developer/1818775178) |

## 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


### Ozon Банк

[App page](https://appshunter.io/ios/app/ozon/id1629869891)

**Currently charting:** #143 Top Free · Finance (US App Store)

This app offers a free banking card with cashback rewards of up to 25% on purchases outside the marketplace and discounts of up to 30% within the marketplace. It also provides interest-bearing savings accounts and deposit options, with all funds insured.

**Highlights:** Cashback up to 25% outside Ozon, Discounts up to 30% on Ozon, Interest-bearing savings and deposits, Free transfers without commission, Detailed spending analytics, Virtual and plastic card options

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 💎 Best bank
- 🚀 Smooth experience
- 💰 Great bonuses and interest rates

**What reviewers complain about**

- 🔍 Poor customer support
- 🐛 Buggy app and frequent crashes
- 🤖 Automated responses from chatbot
- 🔒 Unexpected account freezes
- 💳 Issues with card activation and usage

**Reported bugs**

- Login and authentication problems
- Inability to access account and funds
- Unreliable QR code payment processing
- Inconsistent app behavior across devices

**Requested features**

- Improve customer support response times
- Fix app stability and performance issues
- Enhance in-app chat functionality
- Add more flexible account management options
- Streamline card activation and usage


## Frequently asked questions

### Is МОТИВ.Pay free?

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

### Is Ozon Банк free?

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

### Which has better reviews, МОТИВ.Pay or Ozon Банк?

Ozon Банк is rated higher. МОТИВ.Pay averages 1.4 out of 5 from 14 ratings, while Ozon Банк averages 4.2 from 920 ratings.

### Do МОТИВ.Pay or Ozon Банк have ads?

МОТИВ.Pay shows ads; Ozon Банк does not.

### Which is updated more often, МОТИВ.Pay or Ozon Банк?

МОТИВ.Pay ships an update every 5 months, and Ozon Банк every 10 days. Most recently, МОТИВ.Pay was updated on November 1, 2026 and Ozon Банк on November 7, 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.*