# UCB One vs CentFX

UCB One and CentFX are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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

UCB One ships an update every 6 weeks, CentFX every 2 months. The most recent releases landed on October 11, 2026 and September 30, 2026 respectively.

## The numbers

| Metric | UCB One | CentFX |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.6 (372 ratings)](https://appshunter.io/ios/app/ucb-one/id1424329574/reviews)** | — |
| Number of ratings | **372** | — |
| Positive reviews | 29.9% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 6 weeks** | Every 2 months |
| Monetization | Free | — |
| Size | 99 MB | 48 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [United Commercial Bank Limited](https://appshunter.io/developer/910995191) | [CENTFX Limited](https://appshunter.io/developer/1792239795) |

## What reviewers say

### UCB One

[App page](https://appshunter.io/ios/app/ucb-one/id1424329574)

Manage your finances on the go with comprehensive account access, fund transfers, and bill payments. Securely handle credit card transactions, request services, and manage your credentials for a seamless banking experience.

**Highlights:** Account dashboard, Fund transfers (own, UCB, other banks), Credit card management and payments, Bill payments and mobile recharge, Service requests, Activity log and credential settings, Card and cheque management

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly
- 🚀 Good functionality
- 🔒 Secure banking

**What reviewers complain about**

- 🐛 Crashes and bugs
- 🕰️ Slow performance
- 📱 Poor UI/UX design
- 🔑 Lack of biometric login
- 🔄 Frequent login issues

**Reported bugs**

- Inability to add beneficiaries
- Credit card payment feature not working
- Dashboard and card details crashing
- Frequent server connection issues

**Requested features**

- Add biometric login (Face ID, Touch ID)
- Improve UI/UX design
- Enhance transaction history and statements
- Add support for international transactions
- Implement DPS/FDR management features


### CentFX

[App page](https://appshunter.io/ios/app/centfx/id6740921178)

**In-app purchases:** none


## Frequently asked questions

### Is UCB One free?

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

### Is CentFX free?

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

### Do UCB One or CentFX have ads?

Neither UCB One nor CentFX shows ads.

### Which is updated more often, UCB One or CentFX?

UCB One ships an update every 6 weeks, and CentFX every 2 months. Most recently, UCB One was updated on October 11, 2026 and CentFX on September 30, 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.*