# U!Pay vs MyAmeria

The clearest difference is rating: MyAmeria at 3.9 against U!Pay's 3.2. MyAmeria also leads on update cadence (every 5 days vs monthly). U!Pay's advantage is iOS requirement (13.0 vs 15). 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.

MyAmeria holds the better App Store score, 3.9 against 3.2. Both are backed by a comparable volume of ratings — 22 and 19 respectively. Written reviews complicate that: 21% of U!Pay's written reviews are positive against 15% of MyAmeria's, so the app with the better star average is not the one people write more warmly about.

U!Pay ships an update monthly, MyAmeria every 5 days. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | U!Pay | MyAmeria |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.2 (22 ratings)](https://appshunter.io/ios/app/upay/id1165358976/reviews) | **[3.9 (19 ratings)](https://appshunter.io/ios/app/myameria/id1546373103/reviews)** |
| Number of ratings | **22** | 19 |
| Positive reviews | **21.4% of reviews** | 15.2% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 5 days** |
| Monetization | Free | Free |
| Size | 150 MB | 211 MB |
| Requires iOS | **13.0** | 15 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 9+ |
| Developer | [Ucom LLC](https://appshunter.io/developer/547203748) | [AmeriaBank CJSC](https://appshunter.io/developer/477687451) |

## 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


### MyAmeria

[App page](https://appshunter.io/ios/app/myameria/id1546373103)

Manage your finances on the go with this banking application. Easily send money, make payments, and track your accounts and loans. Enjoy secure transactions and convenient features like contactless payments and currency exchange.

**Highlights:** Instant money transfers, Account and card management, Contactless payments, Utility bill payments, Loan status and schedules, Currency exchange, Deposit management

**Features:** macOS Compatibility, 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 MyAmeria free?

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

### Which has better reviews, U!Pay or MyAmeria?

MyAmeria is rated higher. U!Pay averages 3.2 out of 5 from 22 ratings, while MyAmeria averages 3.9 from 19 ratings.

### Do U!Pay or MyAmeria have ads?

Neither U!Pay nor MyAmeria shows ads.

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

U!Pay ships an update monthly, and MyAmeria every 5 days. Most recently, U!Pay was updated on November 2, 2026 and MyAmeria on November 3, 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.*