Comparison

Pay2Home vs UOB TMRW

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Pay2Home

Send money globally with ease and security. This app allows for fast, convenient transfers with low, flat fees and no hidden charges. Track your transactions, pay bills overseas, and even collect cash at select locations.

Highlights
  • Instant sign-up with Singpass MyInfo
  • Fast and reliable worldwide money transfers
  • Low, flat fees with no hidden charges
  • Overseas bill payments and contributions
  • Real-time transfer status tracking
  • Biometric login for enhanced security
  • Pre-purchase foreign currencies
Features
Read full description

Experience our convenient, fast and secure Mobile app that lets you send money 24/7 with just a few taps on your phone. What’s more, with the Pay2Home Mobile app, you can: • Sign-up instantly and conveniently with Singpass MyInfo • Save time with quick and reliable worldwide money transfers at your fingertips • Experience low, flat fees on your money transfers with no hidden surprises • Set up instant cash collections or bank deposits transfers • Make overseas bill payments or contributions easily • Receive notifications and track the status of your money transfers • Set up a money transfer on the app and pay with cash at any 7-Eleven store in Singapore • Opt in for exclusive, free Priority2Protect personal accident plan for Mobile app users • Enjoy exclusive promotions and discounts • Check live exchange rates 24/7 • Secure your app with biometric login Additional features • Register for a free Pay2Home account with Singpass MyInfo to transact instantly • Send money around the clock to more than 40 countries and territories, including our new destination countries: Japan, Korea and Myanmar • Make payment through electronic payment methods such as Internet Banking, NETSPay and PayNow, Pay2Home wallet account or pay with cash at any 7-Eleven stores islandwide (Singapore only) • Track the status of money transfer, from initiation of money transfer to when your beneficiary is paid • Pre-purchase and store foreign currencies on the Wallet account (Singapore only) • Purchase mobile phones or home electronic products for yourself or your family back home easily with Shop@Pay2Home service. Instalment plans are available too! • Keep track of loyalty stamps and rewards • Top-up StarHub Prepaid SIM card to stay in touch with loved ones Need to transfer? Here’s how it works: 1. Tap on “Send Money” 2. Add or choose a beneficiary 3. Select the destination country 4. Confirm the delivery method – bill payment, government services contributions, bank transfer, overseas cash card deposit, cash collection or door- to-door delivery service 5. Confirm how much you wish to send 6. Choose your payment method" For more information, please visit: https://www.pay2home.com/. The Pay2Home Mobile app is brought to you by Wandr Pte Ltd, licensed by the Monetary Authority of Singapore. P2H (Hong Kong) Pte Limited is a money remittance business licensed by the Customs & Excise Department of Hong Kong. Wandr and P2H (Hong Kong) operate under the Pay2Home brand.

About

UOB TMRW

Manage all your banking and financial needs with personalized insights and recommendations. Grow your wealth, enjoy exclusive rewards, and make easy daily payments. Access cardless ATM withdrawals and competitive foreign exchange rates.

Highlights
  • Personalized money insights
  • Wealth management and growth
  • Rewards program with exclusive deals
  • Easy daily payments (PayNow, Scan to pay)
  • Cardless ATM withdrawals
  • Competitive foreign exchange rates
Features
Read full description

Meet UOB TMRW, the all-in-one app for all your financial needs. It’s banking made simple, easy and personal for you: Personalised money insights – Bank smarter with personalised alerts, reminders, and spending and saving recommendations. Grow and manage your money – You’ll find everything you need to grow your finances in the Wealth section. You can also convert foreign currencies and get competitive rates for all of your investing, online shopping and travel needs. Rewards+ – Enjoy Singapore's newest and biggest rewards programme on the UOB TMRW app. Get personalised, exclusive deals on dining, shopping, travel and more, and track and use your cashback and rewards points. Easy daily payments – Pay using PayNow and Scan to pay directly from the login screen. Withdraw cash using your phone – Select your withdrawal amount on the app, and tap your phone to enjoy cardless withdrawals at selected UOB ATMs. Competitive foreign exchange rates – 11 currencies for your trading, online shopping and travel needs with Mighty FX.

Screenshots

Pay2Home4 screens
UOB TMRW4 screens

Verdict

The call

The clearest difference is review sentiment: Pay2Home at 100% against UOB TMRW's 40%. Pay2Home also leads on rating (5.0 vs 4.8) and iOS requirement (9.0 vs 14.0). UOB TMRW's advantage is ratings volume (2.7K vs 1). On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Pay2Home holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: UOB TMRW has 2.7K ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 100% of Pay2Home's written reviews are positive against 40% of UOB TMRW's.

UpkeepUpdate frequency

Pay2Home ships an update every 5 weeks, UOB TMRW monthly. The most recent releases landed on September 19, 2026 and September 25, 2026 respectively.

Scorecard4 real differences · 6 level
Pay2Home versus UOB TMRW: the parameters behind the verdict, then further details
ParameterPay2HomeUOB TMRW
PriceFreeFree
Rating5.0 (1 ratings) — better4.8 (2.7K ratings)
Positive reviews100.0% of reviews — better40.4% of reviews
Number of ratings12.7K — better
Update frequencyEvery 5 weeksMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS9.0 — better14.0
Further details — not scored
Size103 MB460 MB
Age rating4+4+
DeveloperPay2HomeUnited Overseas Bank Limited Co.

Customer experience

Pay2Home

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

UOB TMRW

All ratings2,719 ratings
Positive95.8%
Neutral1.4%
Negative2.9%
Written reviews361 reviews
Positive40.4%
Neutral7.2%
Negative52.4%

Bugs and requests

Pay2Home

Not enough reviews yet to summarise bugs or requests.

UOB TMRW

Reported bugs

5 issues
  • App crashing on launch or during use
  • Login issues and inability to receive OTP
  • Mighty Secure token not working as expected
  • Contactless ATM function not functioning properly
  • Inconsistent behavior across iOS versions

Requested features

5 requests
  • Ability to disable unwanted product ads
  • Option to turn off marketing push notifications
  • Support for iPad and landscape mode
  • Improved transaction history and account management
  • Seamless integration with other banking features

In-app purchases

None

Pay2Home

No in-app purchases

None

UOB TMRW

No in-app purchases

Questions

Is Pay2Home free?
Pay2Home is free to download, with no in-app purchases.
Is UOB TMRW free?
UOB TMRW is free to download, with no in-app purchases.
Which has better reviews, Pay2Home or UOB TMRW?
Pay2Home is rated higher. Pay2Home averages 5.0 out of 5 from 1 ratings, while UOB TMRW averages 4.8 from 2.7K ratings.
Do Pay2Home or UOB TMRW have ads?
Neither Pay2Home nor UOB TMRW shows ads.
Which is updated more often, Pay2Home or UOB TMRW?
Pay2Home ships an update every 5 weeks, and UOB TMRW monthly. Most recently, Pay2Home was updated on September 19, 2026 and UOB TMRW on September 25, 2026.

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