# UPay vs Asakabank

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.

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

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.

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.

## The numbers

| Metric | UPay | Asakabank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (78 ratings)](https://appshunter.io/ios/app/upay/id1087694828/reviews)** | [4.8 (159 ratings)](https://appshunter.io/ios/app/asakabank/id1574165416/reviews) |
| Number of ratings | 78 | **159** |
| Positive reviews | **50.0% of reviews** | 15.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Every 11 days** |
| Monetization | Free | Free |
| Size | 37 MB | 175 MB |
| Requires iOS | **13.0** | 16.6 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Maroqand, MChJ](https://appshunter.io/developer/1546717684) | [Asaka Joint Stock Commercial Bank](https://appshunter.io/developer/1388957315) |

## What reviewers say

### UPay

[App page](https://appshunter.io/ios/app/upay/id1087694828)

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

**In-app purchases:** none


### Asakabank

[App page](https://appshunter.io/ios/app/asakabank/id1574165416)

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:** Vision Pro support

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*