Comparison

ONEIC Pay vs Modern Exchange

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

ONEIC Pay

Manage all your essential payments in one secure app. Instantly pay utility bills, telecom recharges, traffic fines, and more using your e-wallet or bank cards. Track payment history and enjoy rewards for your transactions.

Highlights
  • E-Wallet services
  • Pay utility bills
  • Telecom recharges
  • Traffic fine payments
  • Money transfers
  • QR code payments
  • Earn and redeem rewards
Features
Read full description

ONEIC Pay offers a secure and simple way to manage all your essential payments in one place. Instantly pay your electricity, water, and telecom bills, recharge prepaid accounts, and conveniently settle traffic fines, Judiciary fees, and Social Protection Fund contributions — all via E-Wallet or bank cards, anytime and anywhere. View your electricity, water latest bills (PDF), track payment history, and enjoy complete control over your transactions with ease Digital Wallet Services: • Top up the digital wallet • Pay various bills and fees • Send, receive, and request and transfers money through local E-Wallets • Send money internationally anytime, anywhere • Shop and pay by scanning QR codes Clients Listed for Bill Payments and Balance Refill: • Nama Supply • Nama Water Services • Nama Dhofar Services • Nakhal Water Services • Marafiq • Omantel • Ooredoo • Vodafone • Awasr • Ranna • Red Bull Mobile • Friendi Government Services: • Royal Oman Police (ROP) - Traffic Fines, Vehicle Registration Renewal • Supreme Judicial Council (CAAJ) • Social Protection Fund (SPF) Insurance Services: • Vehicle Insurance • Social Protection Fund Educational Institutions for Fee Payment: • Arab Open University • A’Sharqiyah University • Azzan Bin Qais International School • German University of Technology, Oman • Indian School Muscat • Middle East College • Muscat University • Seeb International School • Sohar International School • Al Imtiaz Private School Entertainment: • Purchase various entertainment packages Pay and Earn Rewards • Now, pay your bills and enjoy rewards! • Redeem your rewards once you reach the eligible amount for redemption

About

Modern Exchange

Easily send money internationally with a streamlined registration and remittance process. Track transaction history, manage beneficiaries, and compare exchange rates for the best deals. This compliant financial institution prioritizes technology and customer experience.

Highlights
  • Easy customer registration
  • One-step remittance process
  • Transaction history tracking
  • Beneficiary management
  • Exchange rate comparison
  • Download transaction receipts
Features
Read full description

Modern Exchange app enables the customers to remit their money in 1-step process. Modern Exchange App Features: #Easy Customer Registration: You can activate your Modern Exchange account in just 4 steps and explore all the online features right from your mobile phone. #Remittance: Select the transaction details based on your beneficiary and click "Remit Now" for requesting remittance. #Transaction History: View your past transaction details in one-click using the My Transactions tab and download past transaction receipts of your choice. #Beneficiary Listing: View your beneficiary details from the Beneficiaries tab and view more details of your favorite beneficiary. #Exchange Rate: Explore the exchange rate for the currency pair you have selected, pick the best rate provider and remit through the same. Ease your remittance process by the best rates and transfer your money. #About Modern Exchange - At Modern Exchange, we pride ourselves on being a Compliant Global Financial Institution, by continuously investing in our technology and our people for ensuring maximum compliance in respect of best practices for AML and KYC processes. At the same time, we keep trying to improve the customer experience at our branches and our digital delivery systems. So please do join us in becoming a valued member of Modern Exchange’s extended family, if you already are not one. We promise to beat your expectations, not just meet them.

Screenshots

ONEIC Pay4 screens
Modern Exchange4 screens

Verdict

The call

The clearest difference is review sentiment: ONEIC Pay at 59% against Modern Exchange's 14%. ONEIC Pay also leads on rating (4.0 vs 2.3) and ratings volume (120 vs 3). Modern Exchange's advantage is update cadence (every 3 weeks vs every 3 months). 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

ONEIC Pay holds the better App Store score, 4.0 against 2.3. That said, the two scores are not equally well evidenced: ONEIC Pay has 120 ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 59% of ONEIC Pay's written reviews are positive against 14% of Modern Exchange's.

UpkeepUpdate frequency

ONEIC Pay ships an update every 3 months, Modern Exchange every 3 weeks. The most recent releases landed on July 29, 2026 and September 29, 2026 respectively.

Scorecard5 real differences · 5 level
ONEIC Pay versus Modern Exchange: the parameters behind the verdict, then further details
ParameterONEIC PayModern Exchange
PriceFreeFree
Rating4.0 (120 ratings) — better2.3 (3 ratings)
Positive reviews59.0% of reviews — better14.3% of reviews
Number of ratings120 — better3
Update frequencyEvery 3 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS12.4 — better15.5
Further details — not scored
Size126 MB121 MB
Age rating4+4+
DeveloperOman National Engineering and Investment(SAOG)MODERN EXCHANGE COMPANY LLC.

Customer experience

ONEIC Pay

All ratings120 ratings
Positive71.7%
Neutral5.8%
Negative22.5%
Written reviews39 reviews
Positive59.0%
Neutral10.3%
Negative30.8%

Modern Exchange

All ratings3 ratings
Positive33.3%
Neutral0.0%
Negative66.7%
Written reviews7 reviews
Positive14.3%
Neutral0.0%
Negative85.7%

In-app purchases

None

ONEIC Pay

No in-app purchases

None

Modern Exchange

No in-app purchases

Questions

Is ONEIC Pay free?
ONEIC Pay is free to download, with no in-app purchases.
Is Modern Exchange free?
Modern Exchange is free to download, with no in-app purchases.
Which has better reviews, ONEIC Pay or Modern Exchange?
ONEIC Pay is rated higher. ONEIC Pay averages 4.0 out of 5 from 120 ratings, while Modern Exchange averages 2.3 from 3 ratings.
Do ONEIC Pay or Modern Exchange have ads?
Neither ONEIC Pay nor Modern Exchange shows ads.
Which is updated more often, ONEIC Pay or Modern Exchange?
ONEIC Pay ships an update every 3 months, and Modern Exchange every 3 weeks. Most recently, ONEIC Pay was updated on July 29, 2026 and Modern Exchange on September 29, 2026.

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