Tikkie vs Uni5Pay+ M
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Tikkie
Easily request and send money to friends and family. Share payment links via messaging apps to get paid back quickly without exchanging bank details. Track group expenses and enjoy cashback deals.
- Send payment requests
- Receive money easily
- Group expense tracking
- Cashback deals
- No bank account exchange
- Business payment requests
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Requesting back your money and paying back other people doesn’t have to be difficult. Tikkie lets your friends pay you back quickly and easily over WhatsApp, Telegram, Messenger or by text message. And it’s really easy to transfer money with Tikkie, no matter where you bank. Anyone can use Tikkie! When to use Tikkie Tikkie comes in handy when you have paid for someone else and you want your money back, or when someone else has paid for you and you need to pay them back. Whether it’s a one-off purchase or various different group expenses, Tikkie can be used in any situation. You might have paid for: • drinks with your club friends; • a present for a colleague; • festival tickets; • weekend away with friends; • household expenses in your student house. Really easy payment requests Simply use Tikkie to send a payment request over WhatsApp, Telegram or Messenger, by text message, or however else you want. The request will contain a link that your friends can use to pay you back. So you no longer need to exchange account numbers! Your friends don’t need to have Tikkie, but they do need a Dutch current account, and a Dutch, Belgian or German phone number. Tip: you can now also let your friends fill in the amount themselves. That’s handy when different people owe you different amounts. Track your group expenses and settle up Tikkie makes it easy for you to keep track of group expenses too. Create a Groepie, invite your friends, and you’re good to go. All of the group members can add and settle up expenses, with a Tikkie of course! Good to know: your friends need the Tikkie app to join a Groepie. Unique deals with Tikkie Terug Get money back from well-known brands thanks to cashback promotions! If you see a QR code in a shop or on an online promotion page, simply scan it with the Tikkie app and get all or part of the purchase price back right away. iDEAL | Wero payments Your friends pay you back using iDEAL | Wero and their own banking app, and the money is paid straight into your current account. Payments through Tikkie also use iDEAL | Wero and we don’t charge any transaction fees for this. For businesses too If you’re an ABN AMRO business client, make things easy on yourself and your customers by sending a payment request! Tikkie is also available to businesses, from self-employed individuals to multinationals. Your invoices are paid fast and your customers are happy. They don’t need cash, and you don’t need an expensive payment terminal. ABN AMRO initiative Tikkie is an ABN AMRO initiative, which means your details are secure. ABN AMRO only uses your details for the payments requests and payments, and not for any commercial activities.
Uni5Pay+ M
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Uni5Pay+ Merchant App is a mobile point-of-sale for Merchants and Micro-merchants to accept payments easily and cost effectively! 1. Direct Registration via APP - Merchants can register directly and check the registration status via the APP. 2. Generate static & dynamic QR codes - Merchants can generate static QR codes to accept payment, and also dynamic QR codes with the exact payment amount. 3. Immediate transaction results & notification - Transaction results will be immediately shown in the APP. If the APP is not opened a payment notification will be received. 4. Refund and Cancellation - Merchants can conduct purchase, refund and cancellation directly via the APP. 5. Multiple user rights - Merchants can create multiple users with different security levels in accepting payments e.g. Administrators, Store Managers and Cashiers. 6. Centralized Management System - a web-based platform is provided for merchants to manage all users and transactions in a centralized system. Visit our website at https://uni5pay.sr/ Follow us on: Facebook - https://www.facebook.com/uni5pay/ Instagram - https://www.instagram.com/uni5pay/ If you have any questions or feedback, please email us at customercare@uni5pay.sr
Screenshots
Verdict
The clearest difference is update cadence: Tikkie at monthly against Uni5Pay+ M's every 3 months. Uni5Pay+ M's advantage is iOS requirement (9.0 vs 16.0). On price, ads, in-app purchases and device support 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.
Tikkie ships an update monthly, Uni5Pay+ M every 3 months. The most recent releases landed on October 24, 2026 and October 13, 2026 respectively.
| Parameter | Tikkie | Uni5Pay+ M |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (1.5K ratings) — better | — |
| Positive reviews | 18.7% of reviews | — |
| Number of ratings | 1.5K — better | — |
| Update frequency | Monthly — better | Every 3 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone | iPhone, iPod — better |
| Requires iOS | 16.0 | 9.0 — better |
| Further details — not scored | ||
| Size | 239 MB | 16 MB |
| Age rating | 4+ | 4+ |
| Developer | ABN AMRO Bank N.V. | Southern Commercial Bank NV |
Bugs and requests
Tikkie
Reported bugs
2 issues- Incompatible with new iPhone models
- Doesn't work with non-Dutch IBANs
Requested features
5 requests- Support for Belgian bank accounts
- Support for non-Dutch phone numbers
- Support for more European countries
- History of paid Tikkies
- Bancontact integration for Belgium
Uni5Pay+ M
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Tikkie
No in-app purchases
Uni5Pay+ M
No in-app purchases









