# Ualá vs MODO

The clearest difference is ads: Ualá at none against MODO's shown. MODO's advantage is monetization model (free vs free with in-app purchases). On price, rating, review sentiment and ratings volume there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.7 for Ualá against 4.8 for MODO. Both are backed by a comparable volume of ratings — 2.3K and 1.3K respectively. Written reviews are what separate them: 23% of Ualá's written reviews are positive against 28% of MODO's.

Both ship on a similar rhythm, roughly weekly. Both last shipped on October 12, 2026.

## The numbers

| Metric | Ualá | MODO |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (2.3K ratings)](https://appshunter.io/ios/app/uala/id1279808159/reviews) | **[4.8 (1.3K ratings)](https://appshunter.io/ios/app/modo/id1530606263/reviews)** |
| Number of ratings | **2.3K** | 1.3K |
| Positive reviews | 23.3% of reviews | **27.9% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Weekly | Weekly |
| Monetization | Free with in-app purchases | **Free** |
| Size | 382 MB | 200 MB |
| Requires iOS | 16.0 | 16.0 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 12+ |
| Developer | [ALAU TECNOLOGIA S.A.U.](https://appshunter.io/developer/1271373390) | [Play Digital SA](https://appshunter.io/developer/1527103696) |

## What reviewers say

### Ualá

[App page](https://appshunter.io/ios/app/uala/id1279808159)

This app offers a digital banking experience with features like credit cards, high-yield savings accounts, and investment options. Manage your money, earn rewards, and access financial services easily across multiple countries.

**Highlights:** Credit card with cashback and no annual fee, High-yield savings accounts, Term deposits with fixed gains, Investment in stocks, bonds, and funds, Currency exchange (USD), Instant payment processing for sales

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Great user experience
- 💰 Competitive interest rates
- 🏆 Excellent app performance

**What reviewers complain about**

- 🐛 Frequent app crashes
- 🤖 Poor customer support
- 🔒 Security concerns
- 💳 Unreliable transaction processing

**Reported bugs**

- Login issues and verification problems
- Inability to access account information
- Delayed or failed fund transfers

**Requested features**

- Add Apple Pay support
- Improve transfer limits and functionality
- Implement two-factor authentication


### MODO

[App page](https://appshunter.io/ios/app/modo/id1530606263)

Simplify your daily life by connecting bank accounts and cards. Pay with QR or contactless, discover instant benefits and discounts, and access various services like recharges and gift cards. Transfer money easily to contacts without needing their bank details.

**Highlights:** Connect bank accounts and cards, QR and contactless payments, Discover instant discounts and benefits, Recharge services (SUBE, mobile, etc.), Send money to contacts without CBU/alias, View all account balances

**In-app purchases:** none

**What reviewers like**

- 💰 Excellent discounts and promotions
- 💳 Centralized payment options
- ⚡ Fast and efficient

**What reviewers complain about**

- 🐛 Frequent crashes and errors
- 🔒 Issues with identity verification
- 🔌 Compatibility problems with iOS updates
- 🔍 Unreliable search and promotion features
- 🤖 Poor customer support and unresolved issues

**Reported bugs**

- Login and registration failures
- Inability to transfer funds or make payments
- Glitches with QR code scanning

**Requested features**

- Add NFC payment support
- Improve notification settings
- Streamline account management and linking


## Frequently asked questions

### Is Ualá free?

Ualá is free to download, with no in-app purchases.

### Is MODO free?

MODO is free to download, with no in-app purchases.

### Which has better reviews, Ualá or MODO?

MODO is rated higher. Ualá averages 4.7 out of 5 from 2.3K ratings, while MODO averages 4.8 from 1.3K ratings.

### Do Ualá or MODO have ads?

MODO shows ads; Ualá does not.

### Which is updated more often, Ualá or MODO?

Ualá ships an update weekly, and MODO weekly. Most recently, Ualá was updated on October 12, 2026 and MODO on October 12, 2026.

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