UBA Secure Pass vs EndowPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
UBA Secure Pass
This app provides a secure mobile token for authorizing transactions and managing your identity across various banking platforms. It allows for self-activation, eliminating the need to visit a bank branch for setup.
- Transaction authorization
- Identity management
- Mobile token
- Self-activation
- Virtual channel access
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The Secure Pass (formerly known as U-Token) is UBA's customized version of the mobile token, for use in authorizing transactions and identity management on all of UBA's virtual channels, from the Internet Banking solution (previously known as U-Direct), to the Mobile Banking solution (previously known as U-Mobile), and eventually all other channels which require authorization of transactions of higher limits using the token. It was also developed in line with the do it yourself model, which enables an existing user of the bank's Internet banking solution, to self activate the token without having to walk into a UBA banking hall.
EndowPay
This app simplifies daily financial transactions, allowing users to manage payments, bills, and gift cards from a single platform. It offers instant mobile top-ups, bill payments, and secure gift card management for convenience.
- Instant airtime and mobile data top-ups
- Hassle-free electricity and cable TV bill payments
- Secure betting account funding
- Easy gift card sending and redemption
- Single app for transport payments
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EndowPay – Your All-in-One Digital Wallet for Everyday Payments EndowPay is a fast, secure, and reliable Nigerian fintech app designed to simplify your daily payments. With just a few taps, you can manage all your essential transactions in one place. - Top up airtime & buy mobile data instantly - Pay electricity & cable TV bills without hassle - Fund betting accounts securely - Send and redeem gift cards with ease - Pay for transport & more from a single app Whether you’re recharging your phone, paying household bills, or sending a quick gift, EndowPay gives you the convenience, speed, and security you need. Take control of your payments today — download EndowPay and experience stress-free transactions anytime, anywhere.
Screenshots
Verdict
The clearest difference is rating: EndowPay at 3.0 against UBA Secure Pass's 1.9. EndowPay also leads on update cadence (every 11 days vs every 52 months). UBA Secure Pass's advantage is ratings volume (285 vs 2) and iOS requirement (12.0 vs 15.6). On price, ads, in-app purchases and monetization model 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.
EndowPay holds the better App Store score, 3.0 against 1.9. That said, the two scores are not equally well evidenced: UBA Secure Pass has 285 ratings behind it against 2, so its average is the more settled of the two.
UBA Secure Pass ships an update every 52 months, EndowPay every 11 days. The most recent releases landed on October 29, 2026 and October 24, 2026 respectively.
| Parameter | UBA Secure Pass | EndowPay |
|---|---|---|
| Price | Free | Free |
| Rating | 1.9 (285 ratings) | 3.0 (2 ratings) — better |
| Positive reviews | 5.5% of reviews | — |
| Number of ratings | 285 — better | 2 |
| Update frequency | Every 52 months | Every 11 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 12.0 — better | 15.6 |
| Further details — not scored | ||
| Size | 36 MB | 57 MB |
| Age rating | 4+ | 4+ |
| Developer | United Bank For Africa Plc | EndowPay |
Customer experience
UBA Secure Pass
EndowPay
Bugs and requests
UBA Secure Pass
Reported bugs
11 issues- Red screen freeze on app launch
- App crashes immediately after download
- User eligibility validation failing incorrectly
- OTP/SMS delivery system non-functional
- Save button hidden under swipe line on iPhone
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- App shows blank/frozen interface
- Registration process incomplete
- Invalid secure pass errors despite correct input
- App incompatible with newer iPhone models
- Safari connection errors
- App unresponsive and hangs frequently
Requested features
5 requests- Replace secure pass with simple SMS OTP option
- Implement dark mode
- Add offline functionality
- Improve error message clarity and solutions
- Enable bulk transfer capability
EndowPay
Not enough reviews yet to summarise bugs or requests.
In-app purchases
UBA Secure Pass
No in-app purchases
EndowPay
No in-app purchases
