# UBgo vs NDB Neos

The clearest difference is rating: NDB Neos at 3.6 against UBgo's 1.0. NDB Neos also leads on review sentiment (25% vs 0%) and ratings volume (23 vs 2). UBgo's advantage is update cadence (fortnightly vs every 3 months). 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.

NDB Neos holds the better App Store score, 3.6 against 1.0. That said, the two scores are not equally well evidenced: NDB Neos has 23 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 0% of UBgo's written reviews are positive against 25% of NDB Neos's.

UBgo ships an update fortnightly, NDB Neos every 3 months. The most recent releases landed on October 26, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | UBgo | NDB Neos |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.0 (2 ratings)](https://appshunter.io/ios/app/ubgo/id1168612887/reviews) | **[3.6 (23 ratings)](https://appshunter.io/ios/app/ndb-neos/id1467722307/reviews)** |
| Number of ratings | 2 | **23** |
| Positive reviews | 0.0% of reviews | **25.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 3 months |
| Monetization | Free | Free |
| Size | 113 MB | 117 MB |
| Requires iOS | **15.5** | 15.6 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [UNION BANK OF COLOMBO PLC](https://appshunter.io/developer/1474068053) | [National Development Bank](https://appshunter.io/developer/1079319024) |

## What reviewers say

### UBgo

[App page](https://appshunter.io/ios/app/ubgo/id1168612887)

This digital banking app offers a convenient way to manage your finances and access lifestyle services. It provides features like account management, fund transfers, and bill payments, with some services available even if you're not a bank customer.

**Highlights:** Account balances and transaction history, Fund transfers (own, Union Bank, other banks), Bill and insurance premium payments, Cheque book and statement requests, Loan and cheque status inquiries, Interest and exchange rate access

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

**In-app purchases:** none


### NDB Neos

[App page](https://appshunter.io/ios/app/ndb-neos/id1467722307)

Manage your finances on the go with a streamlined mobile banking experience. This app offers advanced technology and industry-leading security to handle all your financial needs, from transfers to statement downloads, all from your smartphone.

**Highlights:** Redesigned user interface, Advanced banking technology, Industry-leading security, Manage finances anytime, anywhere, Fund transfers, Download statements

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

**In-app purchases:** none


## Frequently asked questions

### Is UBgo free?

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

### Is NDB Neos free?

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

### Which has better reviews, UBgo or NDB Neos?

NDB Neos is rated higher. UBgo averages 1.0 out of 5 from 2 ratings, while NDB Neos averages 3.6 from 23 ratings.

### Do UBgo or NDB Neos have ads?

Neither UBgo nor NDB Neos shows ads.

### Which is updated more often, UBgo or NDB Neos?

UBgo ships an update fortnightly, and NDB Neos every 3 months. Most recently, UBgo was updated on October 26, 2026 and NDB Neos 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.*