# UBL Digital vs Finja

The clearest difference is rating: UBL Digital at 4.6 against Finja's 2.3. UBL Digital also leads on ratings volume (7.4K vs 3) and device support (4 vs 2). Finja's advantage is iOS requirement (13.0 vs 15.0). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UBL Digital holds the better App Store score, 4.6 against 2.3. That said, the two scores are not equally well evidenced: UBL Digital has 7.4K ratings behind it against 3, so its average is the more settled of the two.

UBL Digital ships an update fortnightly, Finja every 3 weeks. The most recent releases landed on October 31, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | UBL Digital | Finja |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (7.4K ratings)](https://appshunter.io/ios/app/ubl-digital-safe-banking/id1203678041/reviews)** | [2.3 (3 ratings)](https://appshunter.io/ios/app/finja/id1498761778/reviews) |
| Number of ratings | **7.4K** | 3 |
| Positive reviews | 48.9% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 3 weeks |
| Monetization | Free | Free |
| Size | 448 MB | 58 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | **iPhone, iPad, iPod, Apple Watch** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [UBL](https://appshunter.io/developer/703012650) | [OPay Digital Services Pte.Ltd.](https://appshunter.io/developer/1699757184) |

## What reviewers say

### UBL Digital

[App page](https://appshunter.io/ios/app/ubl-digital-safe-banking/id1203678041)

Manage your finances securely and conveniently with this mobile banking app. Perform transactions, pay bills, transfer funds, and open accounts instantly. Enjoy advanced security features and access banking services anytime, anywhere.

**Highlights:** Secure transactions, Bill payments, Fund transfers, Instant account opening, Biometric verification, Card management, Transaction tracking

**Features:** Apple Watch app

**In-app purchases:** none

**What reviewers like**

- 🚀 Impressive security features
- 👍 User-friendly sign-up process
- 🚀 Smooth and responsive app
- 👍 Reliable banking services
- 👍 Convenient digital banking

**What reviewers complain about**

- 🐛 Recurring login issues
- 🐛 Buggy app updates
- 🐛 Inability to edit/delete payees
- 🐛 Inconsistent OTP functionality
- 🐛 Biometric verification problems

**Reported bugs**

- App crashes on launch
- Payee list not loading
- Inability to change phone number
- Compatibility issues with new devices

**Requested features**

- Ability to manually enter OTP
- Option to receive OTP via email
- Improved bill management features
- Seamless multi-account support
- Enhanced transaction history and search


### Finja

[App page](https://appshunter.io/ios/app/finja/id1498761778)

A comprehensive digital wallet and financial solution for individuals, merchants, and small businesses. It facilitates payments, offers credit lines, and provides tools for managing employee work chores and HR tasks.

**Highlights:** Apply for FINJA Card with credit line, Receive salaries and apply for instant loans, Make payments and QR code transactions, Pay utility bills and recharge networks, Manage employee leaves, attendance, and expenses, Secure login with PIN and biometrics

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

**In-app purchases:** none


## Frequently asked questions

### Is UBL Digital free?

UBL Digital is free to download, with no in-app purchases.

### Is Finja free?

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

### Which has better reviews, UBL Digital or Finja?

UBL Digital is rated higher. UBL Digital averages 4.6 out of 5 from 7.4K ratings, while Finja averages 2.3 from 3 ratings.

### Do UBL Digital or Finja have ads?

Neither UBL Digital nor Finja shows ads.

### Which is updated more often, UBL Digital or Finja?

UBL Digital ships an update fortnightly, and Finja every 3 weeks. Most recently, UBL Digital was updated on October 31, 2026 and Finja on October 24, 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.*