U Money App vs Starpay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
U Money App
Manage your funds and conduct transactions conveniently from your phone. Send and receive money, pay bills, and access insurance. Enjoy free data access for all transactions.
- Send and receive money
- Online money changer
- Bills payment
- Eloading
- Accident insurance
- Branch locator
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USSC Super Service allows you to access your Panalo Wallet with your phone. You can now easily manage your funds with just a tap on a button. No more waiting in line! The Super Service App is made accessible with free data, no need to buy data access to make USSC transactions. Easily sign up for an account today! Manage Your Money - Easily send money to your loved ones with Super Padala and Western Union - Receive money on your mobile app also through Super Padala and Western Union - Instantly convert your US Dollars to Philippine Peso with the online money changer - Build up your personal savings in your Panalo Wallet - Transfer funds to you Cash Card for instant use and access Bills Payment -Easily pay for your utility, cellphone and credit card bills Eloading -Load up to call, surf, text, play and watch your favorite shows and movies Budget Insurance -LifeGuard is your affordable accident insurance Branch Locator -Easily find the your nearest USSC branch Go to your nearest USSC Super Service Store to activate your account for FREE! Check out www.ussc.com.ph and https://facebook.com/ussc.philippines for more details.
Starpay
Manage your finances with an e-wallet for easy transactions, bill payments, and money transfers. You can also withdraw cash, buy mobile load, and top up toll cards.
- E-wallet for transactions
- Extensive bill payment options
- Send money to banks and e-wallets
- Cash withdrawal at partners
- Mobile load purchases
- Toll card top-ups
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Features: • E-Wallet: Use your Starpay Wallet to transact with ease! • Bills Payment: Select from our wide range of billers and pay anywhere and anytime. • Send Money: Send or transfer money to other Starpay wallet users and the widest network of banks and e-wallets nationwide! • Withdraw Cash: Cash out easily from any of our listed partners. • Buy Load: Buy Load from Smart, Globe TnT, and TM. • Shop: Top up your Autosweep and Easytrip Card.
Screenshots
Verdict
The clearest difference is review sentiment: Starpay at 100% against U Money App's 37%. Starpay also leads on rating (5.0 vs 4.6) and update cadence (every 2 weeks vs every 5 weeks). U Money App's advantage is ads (none vs shown) and ratings volume (23 vs 4). On price, in-app purchases, monetization model 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.
Starpay holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: U Money App has 23 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 37% of U Money App's written reviews are positive against 100% of Starpay's.
U Money App ships an update every 5 weeks, Starpay every 2 weeks. The most recent releases landed on October 24, 2026 and October 20, 2026 respectively.
| Parameter | U Money App | Starpay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (23 ratings) | 5.0 (4 ratings) — better |
| Positive reviews | 37.3% of reviews | 100.0% of reviews — better |
| Number of ratings | 23 — better | 4 |
| Update frequency | Every 5 weeks | Every 2 weeks — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Ad-supported | Ad-supported |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.1 | 14.0 — better |
| Further details — not scored | ||
| Size | 70 MB | 28 MB |
| Age rating | 4+ | 12+ |
| Developer | Clear Mind Algorithmics Inc. | Starpay Corporation |
Customer experience
U Money App
Starpay
In-app purchases
U Money App
No in-app purchases
Starpay
No in-app purchases
