# UCOPAY+ vs IDFC FIRST Bank

The clearest difference is rating: IDFC FIRST Bank at 4.8 against UCOPAY+'s 2.3. IDFC FIRST Bank also leads on review sentiment (53% vs 19%) and update cadence (fortnightly vs every 6 months). UCOPAY+'s advantage is iOS requirement (13.0 vs 17.0). 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.

IDFC FIRST Bank holds the better App Store score, 4.8 against 2.3. That said, the two scores are not equally well evidenced: IDFC FIRST Bank has 3.2K 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 53% of IDFC FIRST Bank's.

UCOPAY+ ships an update every 6 months, IDFC FIRST Bank fortnightly. The most recent releases landed on November 4, 2026 and November 13, 2026 respectively.

## The numbers

| Metric | UCOPAY+ | IDFC FIRST Bank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.3 (3 ratings)](https://appshunter.io/ios/app/ucopay-plus/id1191452060/reviews) | **[4.8 (3.2K ratings)](https://appshunter.io/ios/app/idfc-first-bank-mobilebanking/id1521443352/reviews)** |
| Number of ratings | 3 | **3.2K** |
| Positive reviews | 19.0% of reviews | **53.1% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 months | **Fortnightly** |
| Monetization | Free | Free |
| Size | 24 MB | 261 MB |
| Requires iOS | **13.0** | 17.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [UCO BANK](https://appshunter.io/developer/1045009109) | [IDFC FIRST BANK LTD](https://appshunter.io/developer/1090320551) |

## 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


### IDFC FIRST Bank

[App page](https://appshunter.io/ios/app/idfc-first-bank-mobilebanking/id1521443352)

Manage your finances with a comprehensive mobile banking app. Perform instant payments, track expenses, invest in mutual funds, and access personalized offers. Enjoy zero-fee services and secure transactions.

**Highlights:** One-Swipe account management, Instant payments and transfers, Zero fee banking services, Expense tracking and categorization, Investment portfolio management, Instant personal loans, In-app flight & hotel booking

**In-app purchases:** none

**What reviewers like**

- 👍 Convenient mobile banking
- 🚀 Fast and smooth app experience
- 💡 Useful features like bulk transfers
- 👍 Excellent user interface and navigation

**What reviewers complain about**

- 🐛 Frequent app crashes and bugs
- 🔒 Mandatory SIM binding issues for NRI users
- 👎 Poor customer service, especially for NRI accounts
- 🐛 Compatibility issues with newer devices and OS versions

**Reported bugs**

- Login screen freezes and infinite loops
- App not working on WiFi, only on mobile data
- Issues with adding payees and transferring funds
- Notifications and app updates not working properly

**Requested features**

- Display exchange rates for NRE/NRO account transfers
- Add support for iPads and larger screen devices
- Improve security without compromising user experience
- Provide better options for international customers


## Frequently asked questions

### Is UCOPAY+ free?

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

### Is IDFC FIRST Bank free?

IDFC FIRST Bank is free to download, with no in-app purchases.

### Which has better reviews, UCOPAY+ or IDFC FIRST Bank?

IDFC FIRST Bank is rated higher. UCOPAY+ averages 2.3 out of 5 from 3 ratings, while IDFC FIRST Bank averages 4.8 from 3.2K ratings.

### Do UCOPAY+ or IDFC FIRST Bank have ads?

Neither UCOPAY+ nor IDFC FIRST Bank shows ads.

### Which is updated more often, UCOPAY+ or IDFC FIRST Bank?

UCOPAY+ ships an update every 6 months, and IDFC FIRST Bank fortnightly. Most recently, UCOPAY+ was updated on November 4, 2026 and IDFC FIRST Bank on November 13, 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.*