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upay: Finance and Payments

upay: Finance and Payments

Payment, Utility, Recharge

186 ratings
71 reviews
💰 Finance
Free

Details

  • Released
  • Updated
  • September 4, 2021
  • July 13, 2026

Features

Developer

UCB Fintech Company Limited
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❓5 answered
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About

This app offers a secure and innovative digital financial platform for various transactions. Easily send and receive money, pay utility bills, recharge mobile phones, and make payments at online and offline stores.

✓Send and receive money
✓Add money from banks/cards
✓Cash out from agents/ATMs
✓Pay utility bills
✓Mobile recharge
✓Online and offline payments
✓Instant registration
Show original description

What users say

Summarized from real user reviews of upay. Based on 186 reviews and a 3.5/5 average, it highlights the 6 positives and 44 negatives reviewers mention most about this Finance app.

Positive things

  • 👍Great UI and user-friendly
  • 🚀Works even without data
  • 👍Good service
  • 👍Best mobile banking app
  • 👍Very fast and user friendly
  • 👍Good service

Negative things

  • 😞Money held during bank transfer
  • 😞Poor service quality
  • 😞Too slow
  • 😞App freezes frequently
  • 😞Bugs in the app
  • 😞Account creation issues with NID
  • 😞Customer service is very bad
  • 😞Forced updates during transactions
  • 😞App does not open
  • 😞Fund transfer issues
  • 😞App not updated for Apple users
  • 😞Faltu app (useless)
  • 😞No option to delete account
  • 😞Cannot log in
  • 😞Transaction pending for days
  • 😞Worst service
  • 😞Notification banners pop up with no content
  • 😞Finger or Face lock not available
  • 😞Money stuck due to app/service
  • 😞Money deducted but not added to account
  • 😞Saudi Arabia not working
  • 😞Registration failed (NID verification)
  • 😞No cash-in agents available
  • 😞Very low quality app, illiterate call center staff
  • 😞Trash app
  • 😞Cannot enter the app
  • 😞No option to delete linked bank account
  • 😞Login issues
  • 😞Frequent problems, unable to add money
  • 😞Expiry date issue
  • 😞Account opening is lengthy, photo capture issues
  • 😞Cannot make transactions after opening account
  • 😞Server errors during registration
  • 😞Postpaid Palli bidyuTH doesn’t support
  • 😞iPhone app not working properly, unable to login
  • 😞Worst app for iPhone users
  • 😞OTP not received
  • 😞Cannot register, information not valid
  • 😞App crashes during registration photo capture
  • 😞Registration not working
  • 😞App not yet functional
  • 😞Slow response time, slow app
  • 😞Server error
  • 😞Mobile recharge offers not showing on iOS
See all reviews

What's New in upay

1.21.0

July 13, 2026

- ⁠Minor fixes - Smooth experience

User reviews

Most RecentHighest RatedLowest Rated

Big issue

Without smart nid I cant even open an account
Whats wrong with this app now?
Even after resolving my past id issue I can’t even login with my pin🙂🙂
S M HasnatS M Hasnat

Getting kickoff after submitting Pin

Since three days, facing this issue. Customer care ticket was closed apparently after ‘resolving’ the issue. Had to call again and reopen the ticket as, guess what, it has not been fixed yet.

Have been using UCB and Upay for years now but this kind of negligence is just petty.
DatattaDatatta

App Crashes

Upay app is crashing when i try to open “Limits & Usage” in Account tab.
Sanwar HimelSanwar Himel

Faltu

Apnra app a ache app update kora sara solate parben nah…!
Aikane ache dhaki already update kora ache..!!
Ki baje obosta….
Intesar555Intesar555

Money is held during bank transfer

Very bad service, my money is on hold and it has been 7 working days and they have not given any solution. They keep saying it is an emergency job and we have to wait. If it takes so long, how will we work?
Yeasin_AliYeasin_Ali
See 66 more reviews

User experience

🐞

Reported Bugs

25 issues

App stuck on main page

Bug

Cannot fill up a simple form

Bug

NID already used error

Bug

App freezes and loads repeatedly

Bug

Prepaid Card button not working

Bug

App forces updates at transaction attempt

Bug

App does not open

Bug

Money transferred to prepaid card not added

Bug

Donate option missing on Apple

Bug

Cannot log in, stuck on iPhone confirmation page

Bug

Cannot remove linked bank account

Bug

Notification banners pop up with no content

Bug

Transactions get declined without bank issues

Bug

Expiry date issue

Bug

Photo not captured easily with blink eye during account opening

Bug

Cannot make transactions, recharge, or cash out after opening account

Bug

Server error during registration

Bug

Unable to login after giving PIN on iPhone

Bug

OTP not received

Bug

Information not valid during registration

Bug

App crashes during photo capture at registration

Bug

Registration not working

Bug

Slow app response time

Bug

Server error

Bug

Mobile recharge offers not showing on iOS

Bug
✨

Requested Features

7 requests

Need more updates

Feature

Apple Pay support

Feature

Add to Apple Wallet feature

Feature

Finger or Face lock

Feature

International service like Nagad

Feature

Manual capture option for photos

Feature

Add mobile recharge offers, voice, data & sms plan

Feature

FAQ

What can I do with the upay app?

The upay app allows you to send money to others, add money from major banks and cards, cash out from agents and ATMs, pay utility bills for electricity, water, gas, and more, recharge your mobile phone, and make instant payments at both online and offline stores.

Is the upay app secure?

Yes, the app prioritizes security and uses blockchain-based technology to protect your transactions. It also ensures that you can only access your account from your registered device, providing an extra layer of security.

How do I register for an upay account?

You can register for a new upay account directly within the app in just a few minutes. All you need is your National ID card to complete the registration process.

Can I pay my utility bills through the app?

Absolutely. The app supports bill payments for electricity, water, gas, telephone, internet, and credit cards from major providers across Bangladesh, offering convenience from the comfort of your home.

What are the costs associated with using the upay app?

The provided information indicates that the app offers cash out with the lowest charge from agents and ATMs, suggesting that while some transactions might have fees, the app itself is free to download and use for basic functions.