Comparison

UCOPAY+ vs Digit Insurance

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

Digit Insurance

Manage all your insurance needs digitally, from buying and renewing policies to making instant claims. Enjoy a paperless experience with 24/7 support and super-fast claim settlements.

Highlights
  • Instant premium checks
  • Easy policy purchase and renewal
  • Paperless documentation
  • 24/7 customer support
  • Fast claim processing
  • Smartphone self-inspection for claims
Features
Read full description

At Digit Insurance, we aim to make insurance simple. Now, you can manage check premium, buy/renew your policy, access policy documents, and make claims in an instant right here on our app. And the best part? No paperwork required! Why choose Digit Insurance? Value for Money - We try our best to give you the best possible and most affordable premiums because we know that there’s a lot at stake. Digital Everything - We’re tech savvy and we understand that time is precious. Both for you and us. That’s why, all our processes are tech enabled, quick and paperless. So, sit back and relax. Super-Fast Claims - Anytime and every time you’re in any sort of trouble, we’ll be there for you. With our 24x7 Support and quick, technology enabled claim processes, all your claims will be settled as soon as possible! Simplicity, Above All - No complex products. No jargons. No hidden clauses, terms and conditions. Our policy documents are so simple that even 15 years old can understand them. This is because we feel that people can benefit the most from insurance, only if they understand it! What makes Digit Insurance app so Awesome? Check Premiums Instantly Online - Enter details and get instant quotes. Customize the coverages as per your requirement and get premium instantly. Buy Insurance Quickly and Easily - Get all our insurance products online, in a jiffy. No long proposal forms or lengthy inspections and, you can get your policy in an instant. You can also access the policy document anytime within the App. An Entirely Paperless Experience - All our processes are digital, right from buying insurance to making claims. No need to go through tons of papers and documents! An Instant Renewal Process - Access and renew your existing insurance policies almost instant – they are just one click away. 24x7 Help and Customer Support - Get seamless support from our customer care services, available 24/7, even on National Holidays. Super-fast Claims - Easily access, edit, and raise an insurance claim on the app, and all your claims will be settled as soon as possible! Smartphone Enabled Self-inspection - For quick and easy claims, you can just take pictures of your damaged property with your phone and share it with us; and we’ll take it from there! Our Products Motor Car Insurance Two-Wheeler Insurance Commercial Vehicle Insurance Health Health Insurance OPD Health Insurance Super Top-Up Arogya Sanjeevani Policy Employee Health Insurance Other Products International Travel Insurance Flight Delay Cover Home Insurance Shop Insurance Digit in News Digit Insurance is raising $200M funding, valued at $3.5B - https://bit.ly/3Bl2HlN Digit Insurance onboards Virat Kohli as brand ambassador - https://bit.ly/3jrolPc Follow us for more Facebook: https://www.facebook.com/digitinsurance Instagram: https://www.instagram.com/digitinsurance/ Twitter: https://twitter.com/heydigit LinkedIn: https://www.linkedin.com/company/godigit/ Have any Questions? If you have any questions, or you need some help, or just write to us hello@godigit.com or give us a call on 1800-103-4448. IRDAI Registration No: 158 | Go Digit General Insurance Limited

Screenshots

UCOPAY+4 screens
Digit Insurance4 screens

Verdict

The call

The clearest difference is rating: Digit Insurance at 4.1 against UCOPAY+'s 2.3. Digit Insurance also leads on update cadence (fortnightly vs every 6 months) and ratings volume (106 vs 3). UCOPAY+'s advantage is iOS requirement (13.0 vs 15). On price, ads, in-app purchases and monetization model 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.

ReceptionRating · Positive reviews · Number of ratings

Digit Insurance holds the better App Store score, 4.1 against 2.3. That said, the two scores are not equally well evidenced: Digit Insurance has 106 ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 19% of UCOPAY+'s written reviews are positive against 30% of Digit Insurance's.

UpkeepUpdate frequency

UCOPAY+ ships an update every 6 months, Digit Insurance fortnightly. The most recent releases landed on October 24, 2026 and October 27, 2026 respectively.

Scorecard5 real differences · 5 level
UCOPAY+ versus Digit Insurance: the parameters behind the verdict, then further details
ParameterUCOPAY+Digit Insurance
PriceFreeFree
Rating2.3 (3 ratings)4.1 (106 ratings) — better
Positive reviews19.0% of reviews29.6% of reviews — better
Number of ratings3106 — better
Update frequencyEvery 6 monthsFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS13.0 — better15
Further details — not scored
Size24 MB155 MB
Age rating4+4+
DeveloperUCO BANKGo Digit Solutions Private Limited

Customer experience

UCOPAY+

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

Digit Insurance

All ratings106 ratings
Positive78.3%
Neutral1.9%
Negative19.8%
Written reviews27 reviews
Positive29.6%
Neutral0.0%
Negative70.4%

In-app purchases

None

UCOPAY+

No in-app purchases

None

Digit Insurance

No in-app purchases

Questions

Is UCOPAY+ free?
UCOPAY+ is free to download, with no in-app purchases.
Is Digit Insurance free?
Digit Insurance is free to download, with no in-app purchases.
Which has better reviews, UCOPAY+ or Digit Insurance?
Digit Insurance is rated higher. UCOPAY+ averages 2.3 out of 5 from 3 ratings, while Digit Insurance averages 4.1 from 106 ratings.
Do UCOPAY+ or Digit Insurance have ads?
Neither UCOPAY+ nor Digit Insurance shows ads.
Which is updated more often, UCOPAY+ or Digit Insurance?
UCOPAY+ ships an update every 6 months, and Digit Insurance fortnightly. Most recently, UCOPAY+ was updated on October 24, 2026 and Digit Insurance on October 27, 2026.

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