# UBA Secure Pass vs EndowPay

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.

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.

## The numbers

| Metric | UBA Secure Pass | EndowPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.9 (285 ratings)](https://appshunter.io/ios/app/uba-secure-pass/id1093212688/reviews) | **[3.0 (2 ratings)](https://appshunter.io/ios/app/endowpay/id6753772231/reviews)** |
| Number of ratings | **285** | 2 |
| Positive reviews | 5.5% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 52 months | **Every 11 days** |
| Monetization | Free | Free |
| Size | 36 MB | 57 MB |
| Requires iOS | **12.0** | 15.6 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [United Bank For Africa Plc](https://appshunter.io/developer/1125912796) | [EndowPay](https://appshunter.io/developer/1844938467) |

## What reviewers say

### UBA Secure Pass

[App page](https://appshunter.io/ios/app/uba-secure-pass/id1093212688)

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.

**Highlights:** Transaction authorization, Identity management, Mobile token, Self-activation, Virtual channel access

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

**In-app purchases:** none

**What reviewers like**

- ✅ Simple login process with UBA generated user ID
- ⚡ Fast and efficient when working properly

**What reviewers complain about**

- 🐛 Red screen freeze on launch (especially iPhone)
- ❌ 'User not eligible' error message preventing access
- 📱 Poor compatibility with iOS devices
- 🔌 App fails to load or open
- 💔 OTP/SMS messages never received

**Reported bugs**

- 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

**Requested features**

- 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

[App page](https://appshunter.io/ios/app/endowpay/id6753772231)

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.

**Highlights:** 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

**In-app purchases:** none


## Frequently asked questions

### Is UBA Secure Pass free?

UBA Secure Pass is free to download, with no in-app purchases.

### Is EndowPay free?

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

### Which has better reviews, UBA Secure Pass or EndowPay?

EndowPay is rated higher. UBA Secure Pass averages 1.9 out of 5 from 285 ratings, while EndowPay averages 3.0 from 2 ratings.

### Do UBA Secure Pass or EndowPay have ads?

Neither UBA Secure Pass nor EndowPay shows ads.

### Which is updated more often, UBA Secure Pass or EndowPay?

UBA Secure Pass ships an update every 52 months, and EndowPay every 11 days. Most recently, UBA Secure Pass was updated on October 29, 2026 and EndowPay on October 24, 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.*