# upay: Finance and Payments — user reviews > 72 indexed App Store user reviews of upay by UCB Fintech Company Limited, rated 3.50/5 from 188 ratings. - Source: https://appshunter.io/ios/app/upay-finance-and-payments/id1576179329/reviews - App overview in markdown: https://appshunter.io/ios/app/upay-finance-and-payments/id1576179329.md - Rating breakdown: 5★ 98 · 4★ 15 · 3★ 12 · 2★ 11 · 1★ 52 ## 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 ## Newest reviews (19 of 72) ### 3/5 — App Crashes *2026-07-08* Upay app is crashing when i try to open “Limits & Usage” in Account tab. ### 4/5 — Need more update *2025-10-16, version 1.20.4* app stuck main page in many time....plz fixed this problem ### 2/5 — App freeze problem *2025-08-05* Jaygay jaygay app bar bar loading hoye freeze hoye jaitese , onek biroktikor lagtese ar opening app e password enter korar por automatic open hoile valo hoy nahole abar enter dite hoy pera lage ### 4/5 — Need apple pay support *2025-06-26* Apple pay would help us use the card more easily using nfc. Ik its hard for upay but with the help of ucb you guys can bring this feature. ### 1/5 — Prepaid Card button isn’t working *2025-06-09* The Prepaid Card button isn’t working, it takes a refresh after clicking on it and then nothing happens, doesn’t direct to the prepaid card balance page. ### 1/5 — Customer service is very bad *2025-04-25* This app has many issue and customer service is very very bad ### 1/5 — Forces updates *2025-04-18, version 1.20.1* Forces updates at transaction attempt makes it waste our time. ### 1/5 — DOES NOT open *2025-04-11, version 1.20.1* DOES NOT OPEN DONT DOWNLOAD ### 3/5 — Fund transfer problem *2025-03-22, version 1.20.1* I transferred some money to my prepaid card and taka o kete nise but card e add hoi nai.cl center e cl disi bole 3-5 days lagbe taile kamne hoi bhai?amr jdi emergency taka lage ami 3-5 days kamne wait korbo?plz fix this problem or else u guys will loose many customers ### 1/5 — Please update Apps for apple user. *2025-03-19* Sorry to say, the latest version of the upay app for an apple user, i did not find donate option. I called customer support Twice for this issue but no latest update i get that. For the security purpose I can’t change my sim because its an e-sim. So, I am totally disappointed. ### 1/5 — Faltu app *2025-03-14, version 1.20.1* er ceye baje app age dekhi ni ### 1/5 — Account Deletion *2025-01-23, version 1.20.0* There’s no option to delete my account in the app. ### 1/5 — Faltu ektah app kono kajer ee nah *2024-12-09, version 1.20.0* app tay ekbar oo login korte pari nai sobsomoy iphone confirmation page a stuck hoye thake . Please fix this issues fast . ### 1/5 — Bank account remove option *2024-12-03, version 1.20.0* Koon jaat er developer e ei app banaise. Shamanno bank account porjonto remove marte partesi na. Kono chor/hacker e paile toh shesh. ### 1/5 — Transaction pending *2024-11-05, version 1.20.0* Emergency time upay hold your money upto 7 days 🥲 ### 1/5 — Worst *2024-11-04, version 1.20.0* By far the worst service. Do not recommend to anyone. ### 2/5 — Notification Problem *2024-10-26, version 1.20.0* এপটা ডাউনলোড করলাম। প্রতি এক ঘন্টা পরপর কতগুলো নটিফিকেশন ব্যানার পপ আপ হয়। অ্যাপে ঢোকার পর দেখি কিচ্ছু নাই। পুরোটাই বিরক্তিকর। ### 1/5 — It’s okey *2024-10-06, version 1.20.0* Finger or Face lock adding in the app ### 1/5 — Stupid idiot type service *2024-10-01, version 1.20.0* All my money stuck because of there stupid app and there service 100% not recommended to use . Use bank account ## Most critical reviews (10 lowest-rated) ### 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. ### 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 ### 1/5 — Bugs *2025-09-21, version 1.20.4* Fix your software. I can't even filling up a simple form ### 1/5 — Faltu app *2025-09-15* Me or no one use my nid card to make account earlier but this stupid app said this card nid is already used ### 1/5 — bugs in app *2025-06-25, version 1.20.2* many bugs in app ## Most praised reviews (10 highest-rated) ### 5/5 — best app *2024-10-28, version 1.20.0* service ia good ### 5/5 — Vary good *2024-06-16, version 1.15.0* Amr kace sob tke valo mobile banking. ### 5/5 — Add a feature called ( Add to apple wallet ) *2024-06-03* Plz add a new option in the app that can allow to add the prepaid card to apple wallet and use apple pay. If you can integrate this then you will be the first bank to support apple pay. Customers will be loving it. Especially young generation. They want this feature as its quite popular in other countries. People don’t need to carry cards or login into the app to make a purchase they can do it simply with apple pay. ### 5/5 — Good *2024-02-06, version 1.14.2* great mobile banking app ### 5/5 — Great UI and multinational! *2023-11-06, version 1.13.3* It great User Interface even better than other mobile wallet. ### 5/5 — So fast *2022-12-07, version 1.9.0* This app work so fast.. and very user friendly… I like it so much ### 5/5 — Positive review *2022-10-06* Actually I'll use this mobile banking operator in last 4month and I'm very satisfied about this app it is so good and harmful .. ### 5/5 — উপায় এফটি ইন্টারন্যাশনাল করুন মার্কেট পাবে সহজেই *2022-08-31, version 1.5.3* উপায় এফটি ইন্টারন্যাশনাল করুন মার্কেট পাবে সহজেই আমরা প্রবাসীরা ব্যবহার করবো ### 5/5 — Upay app *2022-08-24* Really great app the best I have ever seen I didn't believe it at first it's so beautiful thanks way upay app ### 5/5 — দোয়া ও ভালোবাসা *2022-04-14, version 1.3.0* ইফতারি ও সেহরীর টাইম জানিয়ে দেয়ার জন্য আপনাদের কে অসংখ ধন্যবাদ জানাই --- *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 2026-08-31.*