UCOPAY+ vs Modi Services
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
Read full descriptionHide 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
Modi Services
Read full descriptionHide full description
Modi Services is a customer investment app designed to help investors manage their mutual fund journey with guidance and support from their distributor. The app brings portfolio tracking, mutual fund opportunities, goal planning, SIP management, reports, insurance tracking and useful financial tools into one simple experience. Why Modi Services? Modi Services helps you stay connected with your distributor, view your investments clearly and take key actions across your financial journey. Key Features - Mutual Fund Opportunities View curated mutual fund opportunities shared for your investment needs. Start SIPs or make one-time investments through a simple guided flow. - Portfolio Tracking Track current value, invested amount, returns, SIPs, SWPs, STPs and fund-wise holdings in one place. - Goal-Based Investing Create and track goals such as home, education, retirement or wealth creation with clear progress and target tracking. - Family Portfolio View View investments across family profiles from one dashboard for easier monitoring. - Fund Details Check NAV, returns, risk rating, fund manager, holdings, fund information and portfolio composition before investing. - Risk Profiling Take a simple quiz to understand your investor profile and risk comfort. - Reports & Statements Generate and download capital gains, portfolio valuation and holdings / SOA reports. - CAS Wealth Analysis Upload CAS reports to view a broader analysis of mutual funds, demat holdings and insurance details. - Insurance Tracking Add and manage insurance policies, track premiums, renewal dates, active policies and expiring policies. - Banks & Mandates Manage bank accounts and mandates required for SIP and investment transactions. - Calculators & Planning Tools Use calculators for SIP, Lumpsum, EMI, tax-saving, retirement and other financial planning needs. - Distributor Support Stay connected with your distributor for assistance, opportunities and investment-related support. Modi Services helps you invest, track, plan and manage your financial journey with clarity and convenience.
Screenshots
Verdict
The clearest difference is update cadence: Modi Services at every 5 days against UCOPAY+'s every 6 months. UCOPAY+'s advantage is iOS requirement (12.0 vs 17.2). On price, ads, in-app purchases and device support 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
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, Modi Services every 5 days. The most recent releases landed on August 15, 2026 and September 29, 2026 respectively.
| Parameter | UCOPAY+ | Modi Services |
|---|---|---|
| Price | Free | Free |
| Rating | 2.3 (3 ratings) — better | — |
| Positive reviews | 19.0% of reviews | — |
| Number of ratings | 3 — better | — |
| Update frequency | Every 6 months | Every 5 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 12.0 — better | 17.2 |
| Further details — not scored | ||
| Size | 24 MB | 29 MB |
| Age rating | 4+ | 4+ |
| Developer | UCO BANK | INVEDGE CONSULTANTS PRIVATE LIMITED |
In-app purchases
UCOPAY+
No in-app purchases
Modi Services
No in-app purchases









