Comparison

U Money App vs Skyro Philippines

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

Head to head
About

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.

Highlights
  • Send and receive money
  • Online money changer
  • Bills payment
  • Eloading
  • Accident insurance
  • Branch locator
Features
Read full description

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.

About

Skyro Philippines

This app offers flexible, simple, and transparent financing options for Filipino citizens. Access loans for everyday bills, business capital, or household needs. Split payments for purchases without a credit card and manage your finances easily.

Highlights
  • Flexible loan terms
  • Split payments for purchases
  • Online cash loans
  • Reusable credit line
  • Multiple payment options
  • Adjustable due dates and payments
  • In-app chat support
Features
Read full description

Skyro is here to make loans work for you — the trusted loan app in the Philippines for flexible, simple, and transparent financing. We're one of the fastest-growing financial technology companies in the Philippines, fully registered and regulated by the SEC. We’re also a key founding member of the Consumer Lending Association of the Philippines (CLAP). Since 2022, nakatulong na kami sa mahigit 1 million Pinoys — from everyday bills, dagdag kapital para sa negosyo to big household needs and even seasonal gastos — access flexible loans and financial products that keep things simple, so you can focus on what really matters. All Skyro loan products are issued only to Filipino citizens residing in the Philippines. Shop with Skyro, split your payments SkyroSplit lets you shop for big‑ticket items and pay in easy monthly installments — hindi na kailangan ng credit card! • Shop for appliances, gadgets, furniture, and more, at thousands of partner stores • Flexible loan terms of up to 24 months • 0% interest and ₱0 down on select deals • In‑store or online, you’re in control of your budget • Apply in minutes • Get approved in seconds • Transparent terms — walang hidden fees • Get pre‑approved before you shop — less drama, more confidence Here’s an example of how your monthly installment is calculated: Interest Rate Minimum: 0% per month (for POS offers, depending on eligibility), 0% p.a. | Maximum 6.9% per month, 83% p.a., processing fee Minimum 10% + ₱690, Maximum 16.6% of loan proceeds) Simple loan calculation: POS Loan Amount: ₱11,690 POS Loan Term: 12 months Interest rate: 0% Monthly Installment: ₱974 Total POS Loan Cost: ₱11,690 Need extra funds? Try SkyroCash An online cash loan that gives you money straight to your account — for bills, school fees, negosyo needs, or any important expense. Pay anywhere with SkyroCredit. A reusable credit line na pwede mo gamitin, bayaran at gamitin ulit anytime — flexible and easy to shop at any store with QR Ph by simply scanning to pay and settling later. The Skyro app was made for you • Madali gamitin, friendly kahit first time sa loan app • Regular reminders so you won’t miss due dates • More than 20 ways to pay for your loan: via SkyroPondo, e-wallets, online banking, over the counter, or via QR Ph - SkyroPondo is your account inside the Skyro app. Pwede mag-cash in anytime to pay your Skyro loans or SkyroCredit bill, o ipunin para sa future payments, all in one place • Adjust anytime with Flexi — move due dates or change your monthly payment sa Skyro app mismo • Need help? Chat with real people at may sasagot in less than 15 minutes via the app chat • Pay on time para ma-unlock loan offers with better terms • Enjoy rewards like cashback para sa good payers Sa Skyro, ikaw ang boss! Download na ng loan app and start shopping with Skyro! Skyro Lending, Inc. is certified by the Securities and Exchange Commission. Registration No.: CS202002223. Lending company license No.: 3249. Address: 3006 30F, One Corporate Center, Meralco Avenue corner Julia Vargas Avenue, San Antonio, Pasig City, 1605 Metro Manila Skyro Lending, Inc. is an affiliate company operating under the same brand name, SKYRO For more information, contact us via: Skyro app chat care@skyro.ph +632 8540 3344 +63 919 170 0700

Screenshots

U Money App4 screens
Skyro Philippines4 screens

Verdict

The call

U Money App and Skyro Philippines both sit at 4.6 stars, but that hides the real split: 100% of Skyro Philippines's written reviews are positive against 37% of U Money App's. Skyro Philippines also leads on update cadence (every 8 days vs every 5 weeks) and monetization model (free vs ad-supported). On price, rating, 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

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

Skyro Philippines holds the better App Store score, 4.8 against 4.6. That said, the two scores are not equally well evidenced: Skyro Philippines has 124 ratings behind it against 23, 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 Skyro Philippines's.

UpkeepUpdate frequency

U Money App ships an update every 5 weeks, Skyro Philippines every 8 days. Both last shipped on November 3, 2026.

Scorecard4 real differences · 6 level
U Money App versus Skyro Philippines: the parameters behind the verdict, then further details
ParameterU Money AppSkyro Philippines
PriceFreeFree
Rating4.6 (23 ratings)4.8 (124 ratings) — better
Positive reviews37.3% of reviews100.0% of reviews — better
Number of ratings23124 — better
Update frequencyEvery 5 weeksEvery 8 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationAd-supportedFree — better
DevicesiPhone, iPod — betteriPhone
Requires iOS15.1 — better16.0
Further details — not scored
Size70 MB347 MB
Age rating4+4+
DeveloperClear Mind Algorithmics Inc.Breeze Ventures Pte. Ltd.

Customer experience

U Money App

All ratings23 ratings
Positive91.3%
Neutral0.0%
Negative8.7%
Written reviews51 reviews
Positive37.3%
Neutral11.8%
Negative51.0%

Skyro Philippines

All ratings124 ratings
Positive96.0%
Neutral1.6%
Negative2.4%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

U Money App

No in-app purchases

None

Skyro Philippines

No in-app purchases

Questions

Is U Money App free?
U Money App is free to download, with no in-app purchases.
Is Skyro Philippines free?
Skyro Philippines is free to download, with no in-app purchases.
Which has better reviews, U Money App or Skyro Philippines?
Skyro Philippines is rated higher. U Money App averages 4.6 out of 5 from 23 ratings, while Skyro Philippines averages 4.8 from 124 ratings.
Do U Money App or Skyro Philippines have ads?
Neither U Money App nor Skyro Philippines shows ads.
Which is updated more often, U Money App or Skyro Philippines?
U Money App ships an update every 5 weeks, and Skyro Philippines every 8 days. Most recently, U Money App was updated on November 3, 2026 and Skyro Philippines on November 3, 2026.

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