# UCOPAY+ vs HPGB mBanking

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.

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

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.

## The numbers

| Metric | UCOPAY+ | HPGB mBanking |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.3 (3 ratings)](https://appshunter.io/ios/app/ucopay-plus/id1191452060/reviews)** | — |
| Number of ratings | **3** | — |
| Positive reviews | 19.0% of reviews | **20.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 months | **Every 2 months** |
| Monetization | Free | Free |
| Size | 24 MB | 45 MB |
| Requires iOS | 13.0 | **10.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [UCO BANK](https://appshunter.io/developer/1045009109) | [Punjab National Bank](https://appshunter.io/developer/898528851) |

## What reviewers say

### UCOPAY+

[App page](https://appshunter.io/ios/app/ucopay-plus/id1191452060)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### HPGB mBanking

[App page](https://appshunter.io/ios/app/hpgb-mbanking/id1449110914)

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:** Vision Pro support

**In-app purchases:** none


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