# UmoPay — Universal Money

> Mobile app for sending, receiving money, and paying bills. (iPhone/iPad app by SOFTMASTERS COMPANY LIMITED.)

- Source: https://appshunter.io/ios/app/umopay/id1563005080 (this page in markdown: same URL + `.md`)
- Developer: [SOFTMASTERS COMPANY LIMITED](https://appshunter.io/developer/1562841143)
- Category: Finance, Shopping
- Price: Free
- Rating: 1.00/5 from 1 App Store ratings · 5 written reviews indexed
- Age rating: 4+
- Requires: iOS 13.0 · 24 MB
- Languages: English
- Released: 2021-04-19
- Data updated: 2026-06-10
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/umopay/id1563005080/reviews.md

## What is UmoPay?

UmoPay allows users to send and receive money and pay for their bills.

## Key features

- Send money
- Receive money
- Pay bills
- Manage transactions
- Financial management

## Recent user reviews (5 of 5)

All indexed reviews: https://appshunter.io/ios/app/umopay/id1563005080/reviews.md

### 1/5 — Poor app

*2025-06-02, version 1.2.2*

I can never create an account, which makes travelling very difficult. It won’t let me set my birthday correctly and spends 5 minutes spinning trying to make my account every time I try. This is suppose to make travelling easier and it’s doing the opposite

### 1/5 — Pointless

*2025-03-13*

Forced to download this app because the transit system is using it now and I can’t create an account, I can’t do anything on the app. Might be time for an update.

### 1/5 — Doesn’t work

*2024-11-28, version 1.2.2*

Every time I try to create an account it says “error creating account try again later” which has been happening for the last 3 days! As a tourist that hasn’t arrived with any cash, In a remote area, I can’t get the bus without this app! Terrible app that clearly isn’t ready for use.

### 1/5 — Setting my birthday

*2024-09-08, version 1.2.2*

When trying to setup the account the birthday setup is impossible to do. The year and month just jump to a any date as soon as your finger off the screen!!

### 1/5 — The worst

*2024-02-09, version 1.2.2*

I have never come across an app this poorly constructed before.  Zero for design and ease of use. Do better!

## Frequently asked questions about UmoPay

### What is UmoPay?

UmoPay is a mobile application designed to facilitate sending and receiving money, as well as paying bills. It aims to provide a convenient platform for managing personal financial transactions.

### Is UmoPay free to use?

Yes, UmoPay is available for free. There are no upfront costs to download or use the basic features of the application.

### What devices does UmoPay support?

UmoPay is compatible with iPhone, iPad, and iPod devices. It is designed for the iOS ecosystem.

### How secure is UmoPay?

While the description does not detail specific security measures, financial applications typically employ encryption and other security protocols to protect user data and transactions. Users should always ensure their device is secure and use strong, unique passwords.

### What types of transactions can I perform with UmoPay?

With UmoPay, you can send money to others, receive money from others, and pay your bills directly through the app. It covers essential personal finance transaction needs.

### When was UmoPay last updated?

The latest version of UmoPay, 1.2.2, was released on January 26, 2024. This indicates the app receives periodic updates.

### What is the age rating for UmoPay?

UmoPay has an age rating of 4+. This suggests it is suitable for a wide range of users, including younger individuals with parental guidance.

### Does UmoPay have advertisements?

No, UmoPay does not contain advertisements. The app is free and does not display any ads to its users.

## Version history (last 5 releases)

### 1.2.2 — 2024-01-26

UI Fixes and Pay direct inclusion

### 1.2.1 — 2023-12-20

Minor bug fixes

### 1.2.0 — 2023-12-19

Inclusion of Pay direct e-commerce pages

### 1.1.9 — 2023-08-01

Update on shipping

### 1.1.8 — 2023-07-30

UmoPlus Inclusion and UI changes

## More apps by SOFTMASTERS COMPANY LIMITED

- [Ghana Media Watch](https://appshunter.io/ios/app/ghana-media-watch/id1586013520)
- [UmoFreight](https://appshunter.io/ios/app/umofreight/id6657983383)

All apps by SOFTMASTERS COMPANY LIMITED: https://appshunter.io/developer/1562841143

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*