Comparison

Ard vs QPAY wallet

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

Head to head
About

Ard

Manage your financial assets globally with this secure application. View balances, transfer funds, pay bills, and even get loan approvals in minutes. It also offers automatic credit scoring, new account openings, and stock trading.

Highlights
  • Global account access
  • View balances and history
  • Fund transfers
  • Bill payments
  • 5-minute loan approvals
  • Automatic credit scoring
  • Stock trading
Features
Read full description

Welcome to Ard App Өдөр тутмын банкны үйлчилгээнээс эхлээд хөрөнгө оруулалт, зээл, даатгалын үйлчилгээг нэг дороос хаанаас ч, хэзээ ч хялбар, хурдан удирдах боломж Таны Ард Аппад. Үндсэн боломжууд: • Салбарт ирэлгүйгээр Ард Аппын харилцагч болох • Шилжүүлэг, төгрөг болон ардкойны хосолсон гүйлгээ хийх • Нэхэмжлэх үүсгэх, бүх банкны данснаас орлого хүлээн авах • Гүйлгээ бүрд урамшуулал цуглуулах • Хэрэглээнд тохирсон зээлийн шийдлүүдээс сонгох • Хувааж төлөх үйлчилгээ • Өндөр өгөөжтэй хуримтлал үүсгэх • Хэрэглээний төлбөрөө автоматаар төлөх • Хөрөнгө оруулалт, арилжаа хийх • Бүх төрлийн даатгалын үйлчилгээ авах • Өдөр тутмын хэрэгцээнд нийцсэн мини аппууд Мөн та Ард Апп дахь нийт дансны үлдэгдэл болон эзэмшиж буй ардкойны зах зээлийн үнэлгээ тодорхой хэмжээнд хүрсэн тохиолдолд 5 одтой гишүүн болж, Ард Аппын нэмэлт давуу эрхүүдийг авах боломжтой. All your financial needs, powered by Ard App Manage your finances anytime, anywhere all in one place. From everyday banking to investments, loans, and insurance, everything you need is in Ard App. Key Features: •Become a customer instantly no branch visit required •Send money and make transactions in MNT and ardcoin •Create invoices and receive payments from any bank •Earn rewards with every transaction •Access loan solutions tailored to your needs •Split payments with flexible “Pay Later” options •Grow your savings with high-yield accounts •Automate your bill payments •Invest and trade with ease •Get access to a full range of insurance services •Explore lifestyle mini apps for your everyday needs Reach a certain balance across your accounts or ardcoin holdings to unlock 5-Star Membership and enjoy exclusive benefits within Ard App.

About

QPAY wallet

This mobile wallet allows secure and easy payments online, in apps, and in stores. Digitize loyalty and rewards cards for convenient use. Connect any bank card for seamless transactions.

Highlights
  • Secure online, in-app, and in-store payments
  • Digitalize loyalty and rewards cards
  • Connect any bank payment card
  • 0 transaction fees
  • High privacy and security for payment information
  • Global QR payments in over 30 countries
Read full description

QPay Wallet аппликейшн нь хэрэглэгч танд веб, аппликейшн, дэлгүүрт төлбөр тооцоо хийх боломжыг олгож буй хамгийн найдвартай, хялбар гар утасны хэтэвч юм. Та өөрийн ашигладаг дурын банкны бүх төлбөрийн картаа холбон ашиглах боломжтой. Мөн өдөр тутам ашигладаг шагнал, урамшуулал, хэрэглээний картуудаа дижитал хэлбэрт шилжүүлэн ашиглах боломжтой. Бид танд дараах боломжийг олгож байна • Худалдан авалтын шимтгэлгүй - 0₮ • Төлбөрийн мэдээлэл өндөр нууцлал, аюулгүй байдлаар хангагдсан • QPay -р төлбөрөө авдаг 100,000 худалдаа үйлчилгээний газруудад /дэлгүүр, вэб, апп/ төлбөр төлөх боломжтой • QPay Wallet аппликейшн-д өөрийн ЮнионПэй картаа холбон Монголд төдийгүй Дэлхийн 30 гаруй улсын 20 гаруй сая, худалдаа үйлчилгээний байгууллагын QR төлбөр тооцоог шимтгэлгүйгээр хийх боломжтой • Өөрийн өдөр тутам ашигладаг шагнал, урамшуулал, хэрэглээний картуудаа холбож дижитал хэлбэрээр ашиглах боломжтой Та хэрхэн QPay Wallet-г ашиглах вэ? • Qpay Wallet аппликейшн -г Play store, App store - с татаж авна • Шинээр бүртгүүлэх товчыг дарж өөрийн утасны дугаараа орууж мэдээллээ үүсгэнэ • Таны бүртгэлтэй гар утсанд очих нэг удаагийн 4 оронтой баталгаажуулалтын кодыг оруулж баталгаажуулна • Дараагийн цонхонд хувийн мэдээллээ үүсгэнэ • Та өөрийн төлбөрийн картаа холбож гүйлгээ хийх боломжтой болно • Та биедээ картаа авч явах шаардлагагүй боллоо QPay Wallet is the most secure and easiest mobile wallet to pay online, in apps, and in stores. Plus, you can use it to digitalize your everyday loyalty and rewards cards – all in ONE Application. It has over 100,000 Merchants Network to be used in Ulaanbaatar only and many 1000s more in the countryside Pay in stores with QPay Wallet • Add a credit or debit card from your bank • Make shopping more hassle-free – even if you forget your wallet, specially when you don’t want to shout out your personal details in public • Make safe, secure mobile payments – your card details are encrypted and never stored in any database • Make the best choice by choosing the most healthy and smart solution Pay on the web and in apps • Shop online without re-entering all of your payment information at checkout • Pay fast in QPay Merchants’ apps without adding a credit or debit card or using any other banking applications Keep your information safe and secure • QPay Wallet protects your payment info with multiple layers of advanced security and proven with many penetration testing. • Your card details aren’t shared when you pay in QPay Merchant stores • Receive the same purchase protection you get with your bank Add and access loyalty cards and more on QPay Wallet • Add your loyalty program or rewards cards in the app to use it digitally • Make shopping more hassle-free – even if you forget your wallet

Screenshots

Ard4 screens
QPAY wallet4 screens

Verdict

The call

The clearest difference is rating: Ard at 2.9 against QPAY wallet's 1.0. Ard also leads on ratings volume (72 vs 1) and review sentiment (11% vs 0%). QPAY wallet's advantage is iOS requirement (13.0 vs 15.0). On price, update cadence, 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

Ard holds the better App Store score, 2.9 against 1.0. That said, the two scores are not equally well evidenced: Ard has 72 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 11% of Ard's written reviews are positive against 0% of QPAY wallet's.

UpkeepUpdate frequency

Ard ships an update every 10 days, QPAY wallet weekly. The most recent releases landed on September 21, 2026 and June 8, 2026 respectively.

Scorecard4 real differences · 6 level
Ard versus QPAY wallet: the parameters behind the verdict, then further details
ParameterArdQPAY wallet
PriceFreeFree
Rating2.9 (72 ratings) — better1.0 (1 ratings)
Positive reviews10.7% of reviews — better0.0% of reviews
Number of ratings72 — better1
Update frequencyEvery 10 daysWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.013.0 — better
Further details — not scored
Size120 MB53 MB
Age rating4+4+
DeveloperArd Financial GroupKKTT LLC

Customer experience

Ard

All ratings72 ratings
Positive48.6%
Neutral2.8%
Negative48.6%
Written reviews28 reviews
Positive10.7%
Neutral7.1%
Negative82.1%

QPAY wallet

All ratings1 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

Ard

No in-app purchases

None

QPAY wallet

No in-app purchases

Questions

Is Ard free?
Ard is free to download, with no in-app purchases.
Is QPAY wallet free?
QPAY wallet is free to download, with no in-app purchases.
Which has better reviews, Ard or QPAY wallet?
Ard is rated higher. Ard averages 2.9 out of 5 from 72 ratings, while QPAY wallet averages 1.0 from 1 ratings.
Do Ard or QPAY wallet have ads?
Neither Ard nor QPAY wallet shows ads.
Which is updated more often, Ard or QPAY wallet?
Ard ships an update every 10 days, and QPAY wallet weekly. Most recently, Ard was updated on September 21, 2026 and QPAY wallet on June 8, 2026.

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