HBZ vs UBL Digital UAE
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
HBZ
This secure and convenient banking app offers a simplified channel for managing your finances. Access account details, transfer funds, pay bills, and even trade stocks with unified login credentials across devices. It's designed for existing customers to manage their banking needs efficiently.
- Unified login for all devices
- Switch countries for global clients
- Fund transfers (local/foreign)
- One-click utility bill payments
- 10+ years of transaction history
- Card management (lock/unlock, limits)
- Stock trading
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HBZ Mobile Banking Application provides free, secure, convenient and simplified banking channel. This service is available to all HBZ group customers*. Salient Features: Services available through this smart banking channel includes: - Unified login credentials - Single user name and password for any device - Switch countries within a single app for HBZ Global Clients - Transfer funds within or outside HBZ in local or foreign currencies - View & pay your utility bills in one click - View account details & transaction history of over 10 years - View cleared/deposited cheques - View send remittance messages - Request cheque book - Locate HBZ branch near to you - Lock and unlock your credit/debit card - Set your Card limits - Trading of stocks Use our digital banking portal to save time & money. * HBZ app requires valid subscriptions to HBZweb banking and OTP
UBL Digital UAE
Manage your finances on the go with this digital banking app. Perform fund transfers, pay bills, locate ATMs, and manage your accounts securely. Offers biometric login and transaction history.
- Fund transfers to UBL and other banks
- Interbank funds transfer
- Credit card bill payments
- ATM and branch locator
- Biometric login
- Account statement with graphical illustration
- Manage daily transaction limits
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UBL Digital App brings the exciting features of Digital banking on smartphones. UBL Digital enhances the financial liberty of our customers and enables them to manage their digital lifestyle anytime, anywhere while on the go. Funds Transfer & Payments: . Transfer Funds to other UBL Account . Transfer Funds within Own Account . Send Tezraftaar Remittance . Interbank Funds Transfer . Pay Credit Card Bill Locate nearby ATMs/Branches: . Find the nearby UBL ATMs and Branches Basic features: . Login through secure Bio-metric verification . Manage Multiple Accounts . e transaction History . Experience Account Statement with graphical illustration . Beneficiary Management Feedback: . Leave a message and one of our customer care representative will . get back to you . Let us know your feedback regarding the App Settings: . Change Daily transaction limits . Enable/Disable Touch ID or Face ID
Screenshots
Verdict
The clearest difference is rating: UBL Digital UAE at 4.7 against HBZ's 4.5. UBL Digital UAE also leads on ratings volume (38 vs 4). HBZ's advantage is update cadence (every 3 weeks vs every 2 months). On price, review sentiment, ads and in-app purchases 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.
UBL Digital UAE holds the better App Store score, 4.7 against 4.5. That said, the two scores are not equally well evidenced: UBL Digital UAE has 38 ratings behind it against 4, so its average is the more settled of the two. Written reviews split almost evenly too, at 0% and 0% positive.
HBZ ships an update every 3 weeks, UBL Digital UAE every 2 months. The most recent releases landed on September 20, 2026 and September 25, 2026 respectively.
| Parameter | HBZ | UBL Digital UAE |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (4 ratings) | 4.7 (38 ratings) — better |
| Positive reviews | 0.0% of reviews | 0.0% of reviews |
| Number of ratings | 4 | 38 — better |
| Update frequency | Every 3 weeks — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 12.0 — better | 13.0 |
| Further details — not scored | ||
| Size | 59 MB | 88 MB |
| Age rating | 17+ | 4+ |
| Developer | Habib Bank AG Zurich | UBL |
Customer experience
HBZ
UBL Digital UAE
In-app purchases
HBZ
No in-app purchases
UBL Digital UAE
No in-app purchases
Questions
Is HBZ free?
Is UBL Digital UAE free?
Which has better reviews, HBZ or UBL Digital UAE?
Do HBZ or UBL Digital UAE have ads?
Which is updated more often, HBZ or UBL Digital UAE?
Other comparisons
