Comparison

Ard vs UniPay.mn

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

UniPay.mn

This fintech app offers digital lending services, saving you time and effort. It quickly assesses your credit eligibility to provide digital loans.

Highlights
  • Digital lending services
  • Time and effort saving
  • Quick credit eligibility assessment
  • Digital loan disbursement
Read full description

UniPay.mn апп нь дижитал зээлийн үйлчилгээг үзүүлдэг финтек технологи дээр суурилсан таны цаг, завыг хэмнэх апп юм. Таны зээлийн эрхийг богино хугацаанд тодорхойлж дижитал зээлийг олгох боломжтой.

Screenshots

Ard4 screens
UniPay.mn4 screens

Verdict

The call

The clearest difference is rating: UniPay.mn at 4.0 against Ard's 3.0. Ard's advantage is update cadence (every 10 days vs every 8 months) and ratings volume (75 vs 1). On price, in-app purchases, monetization model and iOS requirement 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

UniPay.mn holds the better App Store score, 4.0 against 3.0. That said, the two scores are not equally well evidenced: Ard has 75 ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

Ard ships an update every 10 days, UniPay.mn every 8 months. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.

Scorecard4 real differences · 6 level
Ard versus UniPay.mn: the parameters behind the verdict, then further details
ParameterArdUniPay.mn
PriceFreeFree
Rating3.0 (75 ratings)4.0 (1 ratings) — better
Positive reviews10.7% of reviews—
Number of ratings75 — better1
Update frequencyEvery 10 days — betterEvery 8 months
AdsNo—
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — better—
Requires iOS15.0 — better15.1
Further details — not scored
Size131 MB52 MB
Age rating4+17+
DeveloperArd Financial GroupMongolian United Credit NBFI Limited Liability Company

In-app purchases

None

Ard

No in-app purchases

None

UniPay.mn

No in-app purchases

Questions

Is Ard free?
Ard is free to download, with no in-app purchases.
Is UniPay.mn free?
UniPay.mn is free to download, with no in-app purchases.
Which has better reviews, Ard or UniPay.mn?
UniPay.mn is rated higher. Ard averages 3.0 out of 5 from 75 ratings, while UniPay.mn averages 4.0 from 1 ratings.
Which is updated more often, Ard or UniPay.mn?
Ard ships an update every 10 days, and UniPay.mn every 8 months. Most recently, Ard was updated on November 2, 2026 and UniPay.mn on November 3, 2026.

Other comparisons