Comparison

UCOPAY+ vs HPGB mBanking

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

UCOPAY+

This digital wallet app allows users to manage finances, pay bills, and transfer money electronically. Load funds via net banking, cards, or from friends, then use it for recharges, utility payments, and online purchases. Merchants can also create QR codes for easy payment acceptance.

Highlights
  • Digital wallet for financial transactions
  • Load money via net banking, debit/credit cards
  • Pay bills and recharge mobile/DTH
  • Send and receive money
  • QR code scanning for payments
  • Transaction statement access
Features
Read full description

UCO Bank, a commercial Bank and Government of India undertaking provides various customer oriented services. To facilitate customers more towards the digital Banking and cashless environment, UCO Bank launches UCOPAY+ – a digital wallet app an alternative to your physical wallet/Batua. UCOPAY+ is a semi closed digital wallet application on iOS platform to cater your financial requirement. It is electronic virtual wallet where you can load money and spend it for your Mobile recharge/ DTH recharge/various utility Bill Payments including Gas, Electricity, Insurance, Mutual Funds, etc., sending money to your near & dear ones. It contains various features like adding money from your net banking/debit card/credit card, getting money from your pals, paying money to your pal’s wallet/UCO Bank account/Other bank account. It provides facility of QR Code scanning of merchants and doing quick payment. You can check all transaction statement and send it to your Email-IDs. How to Register:- • Download the app “ UCOPAY” from iTunes App Store. • Register in “UCOPAY” by entering your mobile number and creating your profile. • Load money into your wallet (through your net banking, debit card, Credit card, by asking from your Pal and by your Bank account). • Use the wallet money for your day to day expenses like bill payment, mobile/DTH recharge, online shopping etc. • Transfer money from wallet to UCO Bank account. • If you are a merchant, create your own QR code and receive the money by displaying the QR code to the customer. • Customer can pay the bill by scanning the QR code without any pain/complexity like writing account number/IFSC/Name etc. • Any complaints need to be forwarded to uco.mbanking@ucobank.co.in; uco.custcare@ucobank.co.in, 033-44559084/9059/9459/9460/9039. All you need to access the wallet is: • iOS phone • Access to Internet which can be via Wi-Fi or your mobile internet

About

HPGB mBanking

Manage your Himachal Pradesh Gramin Banking accounts securely from your iPhone. Check balances, view statements, transfer funds, and manage beneficiaries anytime, anywhere.

Highlights
  • Account balance checks
  • Mini statements
  • Transaction history
  • Fund transfers (self, third party, NEFT)
  • Schedule transactions
  • Beneficiary management
Features
Read full description

Perform your banking tasks from the palm of your hand, from anywhere and at anytime. This application provides access to Himachal Pradesh Gramin Banking Services. It provides its customers to access the various features of banking over a secure channel. The application supports iPhones only. The list of functionalities released with the current version of mobile banking are as under: Accounts Account Balance (Operative , Loan & Deposit) Mini Statement Transaction History Transaction Self Funds Transfer Third Party Transfer NEFT Schedule Transactions My Profile Beneficiaries View Payees Add Within Bank/Outside Bank Payees Delete Payees

Screenshots

UCOPAY+4 screens
HPGB mBanking1 screens

Verdict

The call

The clearest difference is update cadence: HPGB mBanking at every 2 months against UCOPAY+'s every 6 months. HPGB mBanking also leads on iOS requirement (10.0 vs 13.0). On price, review sentiment, ads and in-app purchases 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

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

UCOPAY+ ships an update every 6 months, HPGB mBanking every 2 months. The most recent releases landed on October 20, 2026 and October 7, 2026 respectively.

Scorecard2 real differences · 8 level
UCOPAY+ versus HPGB mBanking: the parameters behind the verdict, then further details
ParameterUCOPAY+HPGB mBanking
PriceFreeFree
Rating2.3 (3 ratings) — better—
Positive reviews19.0% of reviews20.0% of reviews — better
Number of ratings3 — better—
Update frequencyEvery 6 monthsEvery 2 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS13.010.0 — better
Further details — not scored
Size24 MB45 MB
Age rating4+4+
DeveloperUCO BANKPunjab National Bank

Customer experience

UCOPAY+

All ratings3 ratings
Positive33.3%
Neutral0.0%
Negative66.7%
Written reviews21 reviews
Positive19.0%
Neutral0.0%
Negative81.0%

HPGB mBanking

Written reviews10 reviews
Positive20.0%
Neutral0.0%
Negative80.0%

In-app purchases

None

UCOPAY+

No in-app purchases

None

HPGB mBanking

No in-app purchases

Questions

Is UCOPAY+ free?
UCOPAY+ is free to download, with no in-app purchases.
Is HPGB mBanking free?
HPGB mBanking is free to download, with no in-app purchases.
Do UCOPAY+ or HPGB mBanking have ads?
Neither UCOPAY+ nor HPGB mBanking shows ads.
Which is updated more often, UCOPAY+ or HPGB mBanking?
UCOPAY+ ships an update every 6 months, and HPGB mBanking every 2 months. Most recently, UCOPAY+ was updated on October 20, 2026 and HPGB mBanking on October 7, 2026.

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