# UpayChat > Finance app for sending money, virtual cards, cash withdrawal, savings, and bill payments. (iPhone/iPad app by UPAYCHAT LTD.) - Source: https://appshunter.io/ios/app/upaychat/id1548246385 (this page in markdown: same URL + `.md`) - Developer: [UPAYCHAT LTD](https://appshunter.io/developer/1546428225) - Category: Finance - Price: Free - Rating: 5.00/5 from 2 App Store ratings · 3 written reviews indexed - Age rating: 4+ - Requires: iOS 11.0 · 99 MB - Languages: English - Released: 2021-01-12 - Data updated: 2026-06-10 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/upaychat/id1548246385/reviews.md ## What is UpayChat? UpayChat is a simple, secure, and safe way to earn, save, and connect with friends. *SEND AND REQUEST MONEY FOR FREE + Send money to any E-mail address, phone number or contact list and the beneficiary receives it instantly. + You can send a payment request to any E-mail address, phone number and customize it with a note. *GET UPAYCHAT VIRTUAL DOLLAR CARD + Create a virtual card you can use globally online and in-store with Apple Pay + Get a virtual card instantly you can use securely anywhere in the world. + Enjoy state-of-the art security features such as 3D Secure, locking or unlocking your card on the go. *WITHDRAW CASH + Just open the app and enter where you want your cash delivered to, a nearby operator will deliver your cash reliably. + Enjoy the convenience of being able to withdraw cash straight from your phone and have it delivered to you anywhere! *MANAGE YOUR MONEY + Add money by a bank transfer or with a debit (ATM) card, it’s free to send money to family and friends in Nigeria with your UpayChat balance. + Get your UpayChat balance in the bank instantly. + Easily transfer funds from your UpayChat balance to any bank account in Nigeria. *SAVE YOUR MONEY A more rewarding way to save. + Lock funds you don’t want access to for some time or would otherwise be tempted to spend, and earn interest upfront using Safelock. + Save towards multiple goals with super amazing daily interest at 13% p.a. *EARN FAST + Make money in your free time, get paid quickly and cash out instantly after completing a cash delivery request. Plus, earn bonuses, rewards by inviting your family and friends to download the app and signup. + Any money you receive will go straight to your balance so you can use it instantly. *PAY BILLS Buy Airtime & Bundle + Support 4 telecommunication operators, including MTN, Airtel, GLO and 9Mobile. + Use Schedule Top-up to help you recharge automatically to avoid downtime. + Pay TV subscription fees (DSTV and GOTV) + Pay electricity bills ___________________________ Still have questions? Contact us at: support@upaychat.com Facebook / Instagram / Twitter / Tiktok / Youtube: @upaychat ## Key features - Send and request money for free - Virtual dollar card for online/in-store use - Cash withdrawal with delivery - Add money via bank transfer or debit card - Save money with interest on Safelock - Earn money and bonuses - Pay bills and buy airtime ## Recent user reviews (3 of 3) All indexed reviews: https://appshunter.io/ios/app/upaychat/id1548246385/reviews.md ### 5/5 — Customer service *2023-12-05* Customer service is top notch ### 5/5 — Best app *2023-12-03* Creating virtual card is instant! I love it !! ### 5/5 — Good App *2023-03-28, version 2.0.2* Love it! ## Frequently asked questions about UpayChat ### How secure is UpayChat? UpayChat prioritizes security with features like 3D Secure for virtual cards and the ability to lock/unlock your card on the go. The app is designed to be a secure and safe way to manage your money. ### Can I use UpayChat internationally? Yes, the UpayChat virtual dollar card can be used globally online and in-store. You can also get a virtual card instantly that can be used securely anywhere in the world. ### How does UpayChat's savings feature work? UpayChat offers a rewarding way to save by allowing you to lock funds you don't want to spend and earn interest upfront with Safelock. You can save towards multiple goals with daily interest at 13% p.a. ### What are the supported bill payment options on UpayChat? UpayChat supports payments for 4 telecommunication operators, including MTN, Airtel, GLO, and 9Mobile. You can also pay TV subscription fees for DSTV and GOTV, and electricity bills. ### How do I add money to my UpayChat balance? You can add money to your UpayChat balance by using a bank transfer or a debit (ATM) card. Sending money to family and friends in Nigeria with your UpayChat balance is free. ### Does UpayChat have ads? No, UpayChat does not contain advertisements. The app is designed to provide a seamless and ad-free user experience. ### What devices is UpayChat available on? UpayChat is available on iPhone, iPad, and iPod devices. It is designed for iOS users. ### How often is UpayChat updated? The latest version of UpayChat is 2.0.4, and it was last updated on October 15, 2023. Updates are released periodically to improve functionality and security. ## Version history (last 5 releases) ### 2.0.4 — 2023-10-15 Fixed notification issue ### 2.0.3 — 2023-10-05 - Check out our newly added cash withdrawal. - Withdraw cash at your convenience. - Improved user flow to capture your selfie. - More performance optimizations to make your experience better. ### 2.0.2 — 2023-01-14 We have fixed some bugs We made auto upgrade feature. We added like & comment notifications We added additional bank list ### 2.0.1 — 2022-12-27 We have fixed some bugs ### 2.0.0 — 2022-12-01 We’ve worked to resolve bugs and improve on the experiences ## Apps similar to UpayChat | App | Rating | Price | Category | | --- | --- | --- | --- | | [Reaprite: Savings & Finance](https://appshunter.io/ios/app/reaprite-savings-and-finance/id1552189378) | 3.0 (14) | Free | Finance | | [Cold Wallet: Crypto Wallet App](https://appshunter.io/ios/app/cold-wallet-crypto-wallet-app/id6467651848) | 3.5 (36) | Free | Finance | | [Zemma](https://appshunter.io/ios/app/zemma/id1570113965) | — | Free | Finance | | [PennyTree](https://appshunter.io/ios/app/pennytree/id1602953102) | 3.7 (9) | Free | Finance | | [KashRite](https://appshunter.io/ios/app/kashrite/id6470710056) | 5.0 (1) | Free | Finance | | [BorderPal](https://appshunter.io/ios/app/borderpal/id1567748500) | — | Free | Finance | --- *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.*