UPay vs OFB
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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
OFB
Manage all your financial needs in one place. Pay bills, exchange currency, send money internationally, and access online loans and savings accounts with competitive terms. Enjoy convenience and выгодные условия for all your transactions.
- Over 1000 services
- Online bill payments
- Currency exchange
- International money transfers
- Online loans
- Online savings accounts
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Более 1000 сервис-услуг Все онлайн и за несколько секунд можно оплатить все необходимые платежи Конверсия с валютными картами обмен валюты в вашем смартфоне, теперь еще легче и выгоднее Онлайн денежные переводы Отправка денежных средств в другую страну в пару кликов Больше возможностей с онлайн кредитом- Оперативность Лояльность Минимум документов Универсальность и конечно же выгода-это все про онлайн кредит от ОФБ Приумножьте свои деньги Онлайн вклад от ОФБ-выгодные условия и накопление 24/7
Screenshots
Verdict
The clearest difference is rating: UPay at 4.9 against OFB's 4.4. UPay also leads on iOS requirement (13.0 vs 16). OFB's advantage is update cadence (every 10 days vs every 6 weeks). On price, review sentiment, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
UPay holds the better App Store score, 4.9 against 4.4. Both are backed by a comparable volume of ratings — 78 and 187 respectively. Written reviews point the same way: 50% of UPay's written reviews are positive against 42% of OFB's.
UPay ships an update every 6 weeks, OFB every 10 days. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.
| Parameter | UPay | OFB |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (78 ratings) — better | 4.4 (187 ratings) |
| Positive reviews | 50.0% of reviews — better | 42.4% of reviews |
| Number of ratings | 78 | 187 — better |
| Update frequency | Every 6 weeks | Every 10 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 13.0 — better | 16 |
| Further details — not scored | ||
| Size | 37 MB | 118 MB |
| Age rating | 4+ | 4+ |
| Developer | Maroqand, MChJ | OFB |
Customer experience
UPay
OFB
Bugs and requests
UPay
Not enough reviews yet to summarise bugs or requests.
OFB
Reported bugs
17 issues- App crashes when trying to pass identification
- Money stuck in account
- Internal server error message
- Periodically shows zero balance on cards
- Does not show card at all
Show 12 moreShow fewer
- App crashes without any reason
- Cannot convert currency or access cards
- App does not open after update
- Payment for credit does not go through
- Cannot withdraw money for a week
- App not working after 12 PM
- App crashes on every conversion
- Cannot transfer money Visa to Visa
- SMS with confirmation code for registration not received
- App not working for users abroad
- Account history not working
- Half of the functionality does not work
Requested features
7 requests- More features
- Allow registration from abroad
- Fix identification for non-residents
- Improve currency conversion
- Allow Visa to Visa transfers
Show 2 moreShow fewer
- Improve UI
- Make app faster and more productive
In-app purchases
UPay
No in-app purchases
OFB
No in-app purchases
