# ONEIC Pay vs Modern Exchange

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.

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

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.

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.

## The numbers

| Metric | ONEIC Pay | Modern Exchange |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.0 (120 ratings)](https://appshunter.io/ios/app/oneic-pay/id1229477652/reviews)** | [2.3 (3 ratings)](https://appshunter.io/ios/app/modern-exchange-oman/id1395954635/reviews) |
| Number of ratings | **120** | 3 |
| Positive reviews | **59.0% of reviews** | 14.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 126 MB | 121 MB |
| Requires iOS | **12.4** | 15.5 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Oman National Engineering and Investment(SAOG)](https://appshunter.io/developer/1154655270) | [MODERN EXCHANGE COMPANY LLC.](https://appshunter.io/developer/1651791004) |

## What reviewers say

### ONEIC Pay

[App page](https://appshunter.io/ios/app/oneic-pay/id1229477652)

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:** macOS Compatibility

**In-app purchases:** none


### Modern Exchange

[App page](https://appshunter.io/ios/app/modern-exchange-oman/id1395954635)

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:** Vision Pro support

**In-app purchases:** none


## Frequently asked 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.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*