# UPay vs OFB

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.

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.

## The numbers

| Metric | UPay | OFB |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (78 ratings)](https://appshunter.io/ios/app/upay/id1087694828/reviews)** | [4.4 (187 ratings)](https://appshunter.io/ios/app/ofb/id6443708765/reviews) |
| Number of ratings | 78 | **187** |
| Positive reviews | **50.0% of reviews** | 42.4% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Every 10 days** |
| Monetization | Free | Free |
| Size | 37 MB | 118 MB |
| Requires iOS | **13.0** | 16 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Maroqand, MChJ](https://appshunter.io/developer/1546717684) | [OFB](https://appshunter.io/developer/1254115361) |

## 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


### OFB

[App page](https://appshunter.io/ios/app/ofb/id6443708765)

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.

**Highlights:** Over 1000 services, Online bill payments, Currency exchange, International money transfers, Online loans, Online savings accounts

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Good job!
- 👍 Good
- 👍 Yaxshi
- 👍 Отлично
- 👍 Good design

**What reviewers complain about**

- 🐛 Crashes frequently
- 🐛 Unusable app
- 🐛 Server errors
- 🐛 Zero balance shown
- 🐛 App not opening

**Reported bugs**

- 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

**Requested features**

- More features
- Allow registration from abroad
- Fix identification for non-residents
- Improve currency conversion
- Allow Visa to Visa transfers


## Frequently asked questions

### Is UPay free?

UPay is free to download, with no in-app purchases.

### Is OFB free?

OFB is free to download, with no in-app purchases.

### Which has better reviews, UPay or OFB?

UPay is rated higher. UPay averages 4.9 out of 5 from 78 ratings, while OFB averages 4.4 from 187 ratings.

### Do UPay or OFB have ads?

Neither UPay nor OFB shows ads.

### Which is updated more often, UPay or OFB?

UPay ships an update every 6 weeks, and OFB every 10 days. Most recently, UPay was updated on October 24, 2026 and OFB on October 25, 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.*