# UCOPAY+ vs Kharcha Book

The clearest difference is review sentiment: Kharcha Book at 81% against UCOPAY+'s 19%. Kharcha Book also leads on rating (4.5 vs 2.3) and update cadence (every 3 weeks vs every 6 months). UCOPAY+'s advantage is in-app purchases (none vs 6) and ads (none vs shown). On price and device support there is nothing between them.

Both are free to download. Kharcha Book sells 6 in-app purchases, starting at $0.99 per month. UCOPAY+ asks for nothing beyond the download.

Kharcha Book holds the better App Store score, 4.5 against 2.3. That said, the two scores are not equally well evidenced: Kharcha Book has 61 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 81% of Kharcha Book's.

UCOPAY+ ships an update every 6 months, Kharcha Book every 3 weeks. The most recent releases landed on October 29, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | UCOPAY+ | Kharcha Book |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.3 (3 ratings)](https://appshunter.io/ios/app/ucopay-plus/id1191452060/reviews) | **[4.5 (61 ratings)](https://appshunter.io/ios/app/kharcha-book-expense-manager/id1608360032/reviews)** |
| Number of ratings | 3 | **61** |
| Positive reviews | 19.0% of reviews | **81.1% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 6 months | **Every 3 weeks** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 24 MB | 58 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [UCO BANK](https://appshunter.io/developer/1045009109) | [Undivided Media Inc.](https://appshunter.io/developer/1598909066) |

## 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


### Kharcha Book

[App page](https://appshunter.io/ios/app/kharcha-book-expense-manager/id1608360032)

Effortlessly track personal or shared expenses with this comprehensive ledger. Manage budgets, split bills with family or roommates, and gain clear insights into your spending habits through visual reports. Supports offline use and real-time notifications for transparent financial management.

**Highlights:** Multi-book management, Collaborative expense tracking, Quick logging of cash in/out, Automatic currency detection, Visual income vs. spending reports, Offline support, Real-time notifications

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (6)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Monthly | $0.99 | per month |
| Premium Monthly | $2.99 | per month |
| Premium Monthly | $2.99 | per month |
| Premium Yearly | $4.99 | per year |
| Premium Yearly | $19.99 | per year |
| Premium Yearly | $19.99 | per year |


## Frequently asked questions

### Is UCOPAY+ free?

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

### Is Kharcha Book free?

Kharcha Book is free to download, with in-app purchases available.

### Which has better reviews, UCOPAY+ or Kharcha Book?

Kharcha Book is rated higher. UCOPAY+ averages 2.3 out of 5 from 3 ratings, while Kharcha Book averages 4.5 from 61 ratings.

### Do UCOPAY+ or Kharcha Book have ads?

Kharcha Book shows ads; UCOPAY+ does not.

### Which is updated more often, UCOPAY+ or Kharcha Book?

UCOPAY+ ships an update every 6 months, and Kharcha Book every 3 weeks. Most recently, UCOPAY+ was updated on October 29, 2026 and Kharcha Book on October 30, 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.*