523 reviews for 16 bank and fintech apps in Kazakhstan, Uzbekistan, Kyrgyzstan, and Tajikistan arrived in the App Store from November 4 to 11; 82 of them were written earlier on November 2–3, before the collection started. Fifteen reviews across four countries report app freezes and crashes. One bank provided almost the entire surplus of five-star ratings for the week.
Scale of the week
Out of 523 reviews, 429 are fives (82%), and 47 are ones (9%). One bank provided almost this entire surplus: 345 out of 368 MBank reviews gave the highest score.
By country
🇺🇿 Uzbekistan
Turonbank — week’s review score 4.9 (15 reviews; cannot compare with last week due to insufficient reviews). App Store rating — ★4.5 (1.1k ratings). 14 of 15 reviews are general praise: “excellent,” “super,” “great.” One user jokingly notes the app is so secure that sometimes even they cannot log in.
Anorbank — week’s review score 4.8 (10 reviews, down from 4.9 with 11 reviews a week earlier). App Store rating — ★4.7 (6.1k ratings). Nine of ten reviews are general praise. One user writes the app frequently freezes on iPhone and SMS messages do not arrive, preventing transfers.
SQB — week’s review score 4.6 (8 reviews, up from 3.9 with 11 reviews a week earlier). App Store rating — ★4.9 (17k ratings). Seven of eight reviews are praise; one user writes the app does not work on weekends and outside business hours.
Payme — week’s review score 1.4 (7 reviews; cannot compare with last week). App Store rating — ★4.8 (360k ratings). Payme is an Uzbekistan payment service. Users report the app freezing when paying utilities via QR, in-interface ads after updating, unauthorized money deductions, slow performance, unreachable support, and the app failing to open entirely without an update.
Uzum Bank — week’s review score 3.3 (6 reviews, down from 4.5 with 13 reviews a week earlier). App Store rating — ★4.8 (74k ratings). One user reports unstable performance with technical breaks at the most crucial moments; another says the app is good for transfers and Apple Pay but handles utility payments poorly. Another reports not receiving cashback for their first Apple Pay payment.
Hamkorbank — week’s review score 2.2 (6 reviews, up from 1.6 with 5 reviews a week earlier). App Store rating — ★3.7 (1.6k ratings). One user writes the app frequently glitches; another says it fails to show deposits and lacks features. Two write about transfer fees that used to be free; another complains about staff inattention.
TBC Bank Uzbekistan — week’s review score 2.3 (6 reviews, up from 1.7 with 6 reviews a week earlier). Two users write the bank fails to resolve client issues even when the error is on the bank’s side, and the call center does not help. One has been unable to register in the app for a month: an error appears when entering the phone number. Another asks the bank to update the app less frequently.
Ipoteka Bank — week’s review score 1.8 (5 reviews; cannot compare with last week). App Store rating — ★4.2 (162 ratings). Two reviews concern loans: one writes they cannot pay off a standard loan through the app; another says they cannot pay a loan by ID and must visit the bank or pay through third-party apps with a fee. One user writes their card blocked itself and requires a branch visit to unblock; another says they were logged out of their account on a trusted device.
🇰🇿 Kazakhstan
ForteApp — week’s review score 4.8 (21 reviews, down from 5.0 with 17 reviews a week earlier). App Store rating — ★4.8 (31k ratings). 17 of 21 reviews are praise; two specifically note zero transfer fees. Two others report specific flaws: one complains about rotating banners at the top of the app that nearly led to an accidental loan application; another says the balance does not update immediately upon opening the app.
Freedom SuperApp — week’s review score 2.6 (17 reviews, up from 2.3 with 20 reviews a week earlier). App Store rating — ★4.9 (121k ratings). Six reviews are praise; one specifically praises Freedom Drive and cashback. Five users report feature failures, including the inability to use the app while in Kazakhstan, and a complaint that the bank decides what the client can pay for. Three reviews mention freezing and the app failing to open. Two users report unexpected money deductions: one when topping up a deposit, another for 300 tenge.
Kaspi.kz — week’s review score 2.9 (16 reviews, same as 2.9 with 18 reviews a week earlier). App Store rating — ★4.9 (393k ratings). Five reviews are praise. Three users complain about Kaspi Shop: complaints include fake seller discounts and delivery delays without compensation. Two are dissatisfied with the interface: a full-screen banner upon opening the app and a lack of adaptation for iPhone Duo. One user writes the bank restricted transfers from a child’s account to other banks; another says Kaspi QR does not work. Separately, users ask to lower the age threshold in Kaspi Shop to 14–16 years.
Halyk Onlinebank for Business — week’s review score 4.3 (12 reviews; cannot compare with last week). App Store rating — ★4.8 (14k ratings). Nine reviews are praise. One user writes sales amounts are credited the next day, requiring manual fee calculation. Another says non-resident directors must visit a branch and scan a QR code to log in every time they exit the app.
bcc.kz — week’s review score 4.1 (12 reviews, up from 3.4 with 15 reviews a week earlier). App Store rating — ★4.1 (5.7k ratings). Eight reviews are praise. One user writes the app freezes and runs slowly; another says the bank has not adapted the login for iPhone Duo owners: an error appears after video verification.
Halyk Kazakhstan — week’s review score 1.6 (8 reviews, down from 2.3 with 8 reviews a week earlier). App Store rating — ★4.6 (114k ratings). Four of eight reviews concern broken features: three users independently write they cannot issue or renew auto insurance through the app; another says the app does not pull mandatory auto insurance data from the database. One user complains about support: they claim it is hard to get through, and waiting for an operator response is paid. One user asks to restore the ability to log in from one account on two devices.
🇰🇬 Kyrgyzstan
MBank — week’s review score 4.9 (368 reviews, same as 4.9 with 310 reviews a week earlier). App Store rating — ★4.7 (99k ratings). The bank is praised for convenience in 325 of 368 reviews. Six users write the app crashes, freezes, or fails to open; five report failures of specific features, and another five say it lags and takes a long time to load. Two reviews mention unexplained money deductions; one mentions frequent mandatory updates without which the app stops opening.
🇹🇯 Tajikistan
DC Next — week’s review score 1.8 (6 reviews, up from 1.1 with 7 reviews a week earlier). App Store rating — ★2.6 (2.3k ratings). Three reviews concern app feature failures; one of them also mentions the app crashes and fails to determine if a transfer went through. One user describes several problems at once: an inconvenient interface, unreachable support, and transfers to other banks that frequently fail.
Praise and pain of the week
MBank received the most praise by volume: 325 of the week’s 368 reviews are general praise, and the score holds at 4.9 for the second consecutive week.
Halyk Kazakhstan became the pain of the week: the review score dropped to 1.6 from 2.3 a week earlier. Half of the eight reviews concern broken features, with three citing the same issue: auto insurance cannot be issued or renewed through the app.
Long-standing requests and complaints
- Kaspi.kz — users have requested a dark mode in the app in 11 of the last 12 months, totaling 45 reviews, since December 2025 or earlier; 6 reviews in the last 30 days.
- Kaspi.kz — users have complained about the interface language in 6 of the last 12 months, totaling 15 reviews, since December 2025 or earlier; 2 reviews in the last 30 days.
- Freedom SuperApp — users have complained about support in 10 of the last 12 months, totaling 47 reviews, since December 2025 or earlier; 6 reviews in the last 30 days.
Methodology
For November 4–11, 2026, Finteqstan monitoring collected 523 App Store user reviews for 16 bank and fintech apps in Kazakhstan, Uzbekistan, Kyrgyzstan, and Tajikistan; 82 of the 523 reviews were written before November 4 but entered the sample later. The bank’s score is the average of reviews received during the week; ★ is the app’s App Store rating in its country across all ratings on the collection day. Checked by an editor. If you find an error, write to us.
