# UCOPAY+ vs PGB mBanking

The clearest difference is review sentiment: PGB mBanking at 43% against UCOPAY+'s 19%. PGB mBanking also leads on update cadence (every 2 months vs every 6 months) and iOS requirement (10.0 vs 12.0). 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.

UCOPAY+ ships an update every 6 months, PGB mBanking every 2 months. The most recent releases landed on August 15, 2026 and August 14, 2026 respectively.

## The numbers

| Metric | UCOPAY+ | PGB 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 | **42.9% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 months | **Every 2 months** |
| Monetization | Free | Free |
| Size | 24 MB | 40 MB |
| Requires iOS | 12.0 | **10.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [UCO BANK](https://appshunter.io/developer/1045009109) | [PNB](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


### PGB mBanking

[App page](https://appshunter.io/ios/app/pgb-mbanking/id1449557292)

Manage your Punjab Gramin Banking accounts securely from your iPhone. Check balances, view statements, transfer funds, and manage beneficiaries on the go. Access essential banking features 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 PGB mBanking free?

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

### Do UCOPAY+ or PGB mBanking have ads?

Neither UCOPAY+ nor PGB mBanking shows ads.

### Which is updated more often, UCOPAY+ or PGB mBanking?

UCOPAY+ ships an update every 6 months, and PGB mBanking every 2 months. Most recently, UCOPAY+ was updated on August 15, 2026 and PGB mBanking on August 14, 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.*