# U!Pay vs acba digital

The clearest difference is rating: acba digital at 4.3 against U!Pay's 3.2. acba digital also leads on review sentiment (45% vs 21%) and update cadence (fortnightly vs monthly). U!Pay's advantage is iOS requirement (13.0 vs 15.0). On price, ratings volume, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

acba digital holds the better App Store score, 4.3 against 3.2. Both are backed by a comparable volume of ratings — 22 and 63 respectively. Written reviews point the same way: 21% of U!Pay's written reviews are positive against 45% of acba digital's.

U!Pay ships an update monthly, acba digital fortnightly. The most recent releases landed on October 5, 2026 and October 12, 2026 respectively.

## The numbers

| Metric | U!Pay | acba digital |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.2 (22 ratings)](https://appshunter.io/ios/app/upay/id1165358976/reviews) | **[4.3 (63 ratings)](https://appshunter.io/ios/app/acba-digital/id1515436600/reviews)** |
| Number of ratings | 22 | **63** |
| Positive reviews | 21.4% of reviews | **45.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Fortnightly** |
| Monetization | Free | Free |
| Size | 150 MB | 191 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Ucom LLC](https://appshunter.io/developer/547203748) | [ACBA BANK OJSC](https://appshunter.io/developer/972657737) |

## What reviewers say

### U!Pay

[App page](https://appshunter.io/ios/app/upay/id1165358976)

This e-wallet simplifies payments and money transfers directly from your smartphone. It features a new, user-friendly design with an expanded service list and a high level of security for convenient transactions.

**Highlights:** Instant payments, Money transfers, Money withdrawal, User-friendly design, High security, PIN transaction approval

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

**In-app purchases:** none


### acba digital

[App page](https://appshunter.io/ios/app/acba-digital/id1515436600)

Manage your finances remotely with this secure mobile banking app. Perform transactions, pay bills, apply for new products, and access digital cards. Enjoy fast and convenient banking from anywhere.

**Highlights:** Online onboarding and registration, Biometric login (fingerprint/facial recognition), Account balance and transaction viewing, Money transfers and bill payments, Loan, savings, and card applications, Digital card issuance and payments, Investment and insurance purchases

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

**In-app purchases:** none


## Frequently asked questions

### Is U!Pay free?

U!Pay is free to download, with no in-app purchases.

### Is acba digital free?

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

### Which has better reviews, U!Pay or acba digital?

acba digital is rated higher. U!Pay averages 3.2 out of 5 from 22 ratings, while acba digital averages 4.3 from 63 ratings.

### Do U!Pay or acba digital have ads?

Neither U!Pay nor acba digital shows ads.

### Which is updated more often, U!Pay or acba digital?

U!Pay ships an update monthly, and acba digital fortnightly. Most recently, U!Pay was updated on October 5, 2026 and acba digital on October 12, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*