I’ve checked - the problem is not caused by IOR. Both textures are using the same UV. Looks like the 2 texture is just smaller, but both textures have size 512x512.
Your texture has a black border around it that you don’t see in the texture viewer because its hidden by the alpha mask. It’s visible in your material because you’re not using the alpha to mask it.
Really, I didn’t noticed it. How can I solve my problem then? Just connect alpha channel to opacity?
Update - connect alpha channel to opacity is not working.