Comparison

UPay vs Asakabank

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

Head to head
About

UPay

Make payments and receive cashback in UCoins, which can be used for services. Supports offline payments, utility bills, electronic wallets, and various bank cards. Transfer money online and pay for state services.

Highlights
  • Cashback on payments (UCoins)
  • Offline payment capability
  • Utility bill payments with receipts
  • Electronic wallet top-ups
  • Support for Uzcard, Humo, UnionPay
  • Online card-to-card transfers
  • State service payments
Read full description

To'lovlar uchun Cashback To'lovlarni amalga oshiring va UCoins shaklida Cashback ga ega bo'ling. UCoins bilan xizmatlarga to'lov qilishingiz mumkin. Offline holatida to'lov Internet tarmog'iga ulanmasdan turib ham to'lasangiz bo'ladi. Kommunal to'lovlar, kvitansiya va balansni ko'rish imkoniyati bilan Har bir to'lovdan so'ng kvitansiya olishingiz hamda balansingizni doimo kuzatish imkoniyati mavjud. Elektron hamyonni to'ldirish Webmoney, Qiwi, Yandex Money va boshqalarga to'lovlar. Kartalarni qo'llab-quvvatlash Banklarning Uzcard, HumoCard va UnionPay to'lov kartalari yordamida to'lang. Shuningdek, ATTO transport kartasining balansini to'ldirish bilan birga kuzatib borish ham mumkin. Pul o'tkazmalari Kartadan kartaga online tarzida pul o'tkazing. Davlat xizmatlari Notarius, FHDYO, Soliqlar, YHXBB jarimalari, my.gov.uz va boshqa davlat xizmatlari uchun to'lovlar. ----------------------------- Cashback при оплате Платите и получайте cashback в виде UCoins, которые можно использовать для оплаты услуг. Offline режим, оплата без интернета Можно платить даже без подключения к интернету. Коммунальные услуги с квитанцией и с балансом При каждой оплате дается квитанция, можно следить за балансом. Пополнение электронных кошельков Webmoney, Qiwi, Яндекс Деньги и др. Поддержка карт Платите с помощью банковских карт Uzcard, Humo, Unionpay. Также можно пополнять и следить за балансом единых транспортных карт ATTO. Перевод средств Переводите деньги с карты на карту в режиме онлайн. Госуслуги Оплата за Нотариус, ЗАГС, Налоги, Штрафы ГУБДД, my.gov.uz и другие госуслуги. ----------------------------- Yordam kerakmi? / Нужна помощь? Qo'llab-quvvatlash xizmati / Cлужба поддержки: +998 71 200 00 85 Telegram: t.me/upayuzb Facebook: fb.com/upay.uz Instagram: instagram.com/upay.uz Web: upay.uz

About

Asakabank

Manage your banking needs with this comprehensive mobile application. Open accounts, make payments, transfer funds, and control your finances on the go. It offers features for card management, loan services, and convenient bill payments.

Highlights
  • Account and card management
  • Electronic payments and transfers
  • Fund conversion
  • Loan and deposit services
  • QR code payments
  • Bill payments
  • Autopayments
Features
Read full description

Asakabank – это обновленное мобильное приложение для клиентов банка АO «Асакабанк». Какие функции в приложении: - Открытие и ведение карточных счетов, виртуальных карт, электронных кошельков; - Сервис электронных платежей (осуществление операций по оплате товаров и услуг); - Переводы средств с карты на карту клиентам Банка «Асакабанк», а также клиентам других банков; - Осуществление конвертации денежных средств; - Управление счетами, получение информации об остатках и оборотах по счетам; - Оплата и перевод средств по QR коду; - Оплата за розничные, коммунальные услуги; - Оплата за услуги мобильных операторов и интернет-провайдеров; - Осуществление прочих платежей, настраиваемых с помощью шаблонов операций; - Выдача и погашение кредитов; - Открытие и ведение депозитных счетов; - Блокировка и разблокировка пластиковых карт; - Автоплатеж – списание или оплата средств по умолчанию согласно введенным параметрам; - Управление семейными картами (установление лимитов по видам операции, по периодам и суммам); - Получение банковских объявлений и рассылок; - Поиск ближайших филиалов банка; - Обратная связь с банком.

Screenshots

UPay4 screens
Asakabank4 screens

Verdict

The call

UPay and Asakabank both sit at 4.9 stars, but that hides the real split: 50% of UPay's written reviews are positive against 15% of Asakabank's. UPay also leads on iOS requirement (13.0 vs 16.6). Asakabank's advantage is update cadence (every 11 days vs every 6 weeks). On price, rating, ratings volume and ads 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

On the App Store both sit at effectively the same score — 4.9 for UPay against 4.8 for Asakabank. Both are backed by a comparable volume of ratings — 78 and 159 respectively. Written reviews are what separate them: 50% of UPay's written reviews are positive against 15% of Asakabank's.

UpkeepUpdate frequency

UPay ships an update every 6 weeks, Asakabank every 11 days. The most recent releases landed on June 11, 2026 and September 21, 2026 respectively.

Scorecard3 real differences · 7 level
UPay versus Asakabank: the parameters behind the verdict, then further details
ParameterUPayAsakabank
PriceFreeFree
Rating4.9 (78 ratings) — better4.8 (159 ratings)
Positive reviews50.0% of reviews — better15.0% of reviews
Number of ratings78159 — better
Update frequencyEvery 6 weeksEvery 11 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPod — betteriPhone
Requires iOS13.0 — better16.6
Further details — not scored
Size37 MB175 MB
Age rating4+4+
DeveloperMaroqand, MChJAsaka Joint Stock Commercial Bank

Customer experience

UPay

All ratings78 ratings
Positive97.4%
Neutral0.0%
Negative2.6%
Written reviews20 reviews
Positive50.0%
Neutral10.0%
Negative40.0%

Asakabank

All ratings159 ratings
Positive96.2%
Neutral0.0%
Negative3.8%
Written reviews20 reviews
Positive15.0%
Neutral5.0%
Negative80.0%

In-app purchases

None

UPay

No in-app purchases

None

Asakabank

No in-app purchases

Questions

Is UPay free?
UPay is free to download, with no in-app purchases.
Is Asakabank free?
Asakabank is free to download, with no in-app purchases.
Which has better reviews, UPay or Asakabank?
UPay is rated higher. UPay averages 4.9 out of 5 from 78 ratings, while Asakabank averages 4.8 from 159 ratings.
Do UPay or Asakabank have ads?
Neither UPay nor Asakabank shows ads.
Which is updated more often, UPay or Asakabank?
UPay ships an update every 6 weeks, and Asakabank every 11 days. Most recently, UPay was updated on June 11, 2026 and Asakabank on September 21, 2026.

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