# upay: Finance and Payments — Payment, Utility, Recharge

> Digital financial solutions for payments, utility bills, mobile recharge, and store payments. (iPhone/iPad app by UCB Fintech Company Limited.)

- Source: https://appshunter.io/ios/app/upay-finance-and-payments/id1576179329 (this page in markdown: same URL + `.md`)
- Developer: [UCB Fintech Company Limited](https://appshunter.io/developer/1576179331)
- Category: Finance
- Price: Free
- Rating: 3.50/5 from 188 App Store ratings · 72 written reviews indexed
- Age rating: 4+
- Requires: iOS 11.0 · 510 MB
- Languages: American English, Bangla
- Released: 2021-09-04
- Data updated: 2026-08-25
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/upay-finance-and-payments/id1576179329/reviews.md

## What is upay?

Introducing upay app which provides easy, secured and innovative Digital Financial Solutions, and helps you elevate lifestyle in just a few simple taps. The state of the art upay app ensures ease for your most frequent transactions like send money to others, add money from all major banks, cash out with lowest charge from agents and ATMs, pay all your utility bill payments, recharge your mobile phone from all operators and also make instant payments at your favorite stores- both online and offline.  
As a subsidiary of United Commercial Bank (UCB), upay app also ensures the highest possible security through block-chain based technology and widespread availability all across Bangladesh.   
Things you can do in upay app:
Instant Registration
You can easily register for a new upay account in just about a few minutes right from upay app. All you require is your National ID card and you are ready to go.
Add Money from Bank Account or Debit/Credit Card
Transfer money instantly to your upay account through any banks or Debit/Credit Card. Add money easily to your upay account within seconds using an eligible debit / credit card or bank account.
Mobile recharge to any number
Recharge your mobile or any other number from all major operations in Bangladesh, including Grameenphone, Robi, Airtel, Banglalink and Teletalk. You can also find latest prepaid and postpaid recharge plans and best recharge based Internet, Voice and bundle offers only on upay app.
Bill Payments – Electricity, Water, Gas, Telephone, Internet, Credit Card and others
Pay your utility bills such as Electricity, Water, Gas etc. for all major providers like DESCO, NESCO, Titas, WASA etc. right from the comfort of your own home. You can also pay your credit card bill, internet bill, telephone bill and many more. 
Safe, Secure & Contactless Payments at Offline Stores
Easily pay at your nearby grocery stores, pharmacies, restaurants, retail stores and thousands more across the country by scanning QR code or through mobile number. 
Secured Mobile Banking
Security is of utmost importance to us and we prioritize making you feel safe and secured by taking necessary measures to protect your account. Through our modern blockchain based technology, you can rest assured that all of your transactions are highly secured. In addition, to give you greater control, you only can access your upay account only through your registered device. Hence, no need to worry about losing your PIN as no one can access your upay account from other mobile devices. 
Online Payments
You can order groceries, medicines, food, gadgets online and pay via upay with ease. You can make quick online payments at your favorite shopping, food delivery, travel and gaming brands including Daraz, Evaly, Chaldal, Shohoz, just to name a few.
Your Own Wallet
For the first time in Bangladesh, you will have your own wallet which will give you a liberty of checking where your money is coming from, including Salary, Disbursement and Remittance. With such a personalized wallet, you can enjoy exclusive upay reward.
Ease of Access
upay is always looking out for you to give convenience and ease in your life. Keeping that at the core, upay app has certain features that can ease some of your pains.
You can now avoid the hassle of constantly calculating the charge on cash out and simply add the Cash Out charge, to give more ease for the receiver. Through a simple tap, Cash Out charge will be automatically calculated whenever you are sending money to another upay account.
Use the app in either Bangla or English, and change between the two whenever you want.
Much Better Transparency
No need to take the hassle of sending screenshots to affirm a successful transaction. Now you can simply share the successful confirmation report in pdf format through any file sharing platforms.   
For further details, please visit our website at https://www.upaybd.com.

## Key features

- 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

## What do users think of upay?

Overall sentiment: negative

**Pros**

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

**Cons**

- 😞 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

**Commonly reported bugs**

- App stuck on main page
- Cannot fill up a simple form
- NID already used error
- App freezes and loads repeatedly
- Prepaid Card button not working
- App forces updates at transaction attempt
- App does not open
- Money transferred to prepaid card not added
- Donate option missing on Apple
- Cannot log in, stuck on iPhone confirmation page
- Cannot remove linked bank account
- Notification banners pop up with no content
- Transactions get declined without bank issues
- Expiry date issue
- Photo not captured easily with blink eye during account opening
- Cannot make transactions, recharge, or cash out after opening account
- Server error during registration
- Unable to login after giving PIN on iPhone
- OTP not received
- Information not valid during registration
- App crashes during photo capture at registration
- Registration not working
- Slow app response time
- Server error
- Mobile recharge offers not showing on iOS

**Most requested features**

- Need more updates
- Apple Pay support
- Add to Apple Wallet feature
- Finger or Face lock
- International service like Nagad
- Manual capture option for photos
- Add mobile recharge offers, voice, data & sms plan

## Recent user reviews (10 of 72)

All indexed reviews: https://appshunter.io/ios/app/upay-finance-and-payments/id1576179329/reviews.md

### 1/5 — Cannot add money from card

*2026-08-10*

Cannot add money from card. It’s covered with another window that doesn’t go away. It’s stuck and has nothing on it. Cannot select anything. Please fix it.

### 1/5 — Big issue

*2026-07-14*

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🙂🙂

### 1/5 — Getting kickoff after submitting Pin

*2026-07-12*

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.

### 3/5 — App Crashes

*2026-07-08*

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

### 1/5 — Faltu

*2026-06-24, version 1.20.7*

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

### 1/5 — Money is held during bank transfer

*2025-12-24*

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?

### 1/5 — Poor service

*2025-12-23, version 1.20.6*

Their service is very bad, they don't know how to provide good service, they have many problems.

### 1/5 — not good

*2025-10-17, version 1.20.4*

too much slow

### 4/5 — Need more update

*2025-10-16, version 1.20.4*

app stuck main page in many time....plz fixed this problem

### 1/5 — Bugs

*2025-09-21, version 1.20.4*

Fix your software. I can't even filling up a simple form

## Frequently asked questions about upay

### 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.

## Version history (last 5 releases)

### 1.21.1 — 2026-08-23

- Introducing NPSB for seamless transfers to supported Bank Accounts, MFS & PSP.
- Performance improvements for a smoother experience.

### 1.21.0 — 2026-07-13

- ⁠Minor fixes
- Smooth experience

### 1.20.9 — 2026-07-05

* Improved payment and registration experience.
* Performance enhancements for a smoother app experience.
* Quick access of Othoba & Metro Rail in upay payment section
* Add money now available from Trust Bank PLC. using Internet Banking.

### 1.20.8 — 2026-06-28

- Updated instructional text

### 1.20.7 — 2026-06-21

* Introducing the **UCB Sticker Card**! Apply directly from the upay app and enjoy smart, fast, and secure contactless payments with just a tap—no need to carry a physical card.
* General performance improvements and minor bug fixes for a smoother, more reliable experience.

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## Related topics

[uupay](https://appshunter.io/ios/topics/uupay) · [ucash](https://appshunter.io/ios/topics/ucash) · [upaynet](https://appshunter.io/ios/topics/upaynet) · [upay wallet](https://appshunter.io/ios/topics/upay-wallet) · [upayments](https://appshunter.io/ios/topics/upayments) · [aura digital payments](https://appshunter.io/ios/topics/aura-digital-payments)

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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 2026-08-25.*