Comparison

ADCB Hayyak vs Pay10 UAE

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

Head to head
About

ADCB Hayyak

Open bank accounts, credit cards, and personal loans online in minutes. Choose your preferred language and account type, including Sharia-compliant options. Receive your welcome kit delivered to your doorstep.

Highlights
  • Open current or savings accounts
  • Apply for credit cards
  • Check eligibility for personal loans
  • Choose Sharia-compliant solutions
  • Receive welcome kit delivery
  • Tailored premium benefits
Features
Read full description

With the new and improved version of ADCB Hayyak, whether you are a salaried individual, non-salaried or a homemaker, you can start your banking relationship with ADCB in minutes. You can even choose your preferred language & type of account, credit card & loans/finance - available even in Sharia compliant solutions. What you can do on ADCB Hayyak: • Start your banking relationship enriched with tailored premium benefits • Instantly open a current or savings account • Explore our range of rewarding credit cards for every lifestyle and get one which suits you. • Check your eligibility for a Personal Loan/Finance and apply instantly • Choose the Millionaire Destiny Savings account and enter into a draw to win AED 1 million every month What’s more? No queues, no waiting, no hassle – we deliver your welcome kit directly to your doorstep. Download the app and follow the simple steps to get started. Personal Loan Details: • Interest rates (VAT not applicable) – 5.24% to 12% per annum • Processing fees for Personal Loans is 1.05% of the loan amount • Loan repayment tenures start at 6 months and are up to a maximum of 48 months • For example, if your loan amount is AED 100,000 the interest rate is 7.25% for a payback period of 48 months then your monthly installment will be AED 2,407, and processing fees will be AED 1,050. The total loan repayment amount including processing fee will be AED 115,500. • Terms and Conditions apply Address: Abu Dhabi Commercial Bank Building, Shk Zayed street. P. O. Box: 939, Abu Dhabi United Arab Emirates

About

Pay10 UAE

Easily send and receive money with contacts, link to your UAE bank account for seamless payments, and shop with your digital wallet. Securely pay by scanning QR codes and track your spending with real-time notifications.

Highlights
  • Send and receive money
  • Link UAE bank account
  • Shop with digital wallet
  • QR code payments
  • Real-time notifications
  • Spending tracking
Features
Read full description

Send and receive money with a quick tap from your Pay10 contacts. Link Pay10 wallet to your UAE bank account for seamless payments and enjoy new Open Finance experience. Shop for your favorite brands with your Pay10 Wallet, instore and online. Simply scan the QR code for secure and easy payments. No manual data entry. No errors. Get real-time notifications and track your spending your way. Download Pay10 today and take charge of your digital payments! Pay Ten Payment Services Provider LLC (Pay10) is an authorized Open Finance Third-Party Provider, licensed and regulated by the Central Bank of the UAE.

Screenshots

ADCB Hayyak4 screens
Pay10 UAE4 screens

Verdict

The call

The clearest difference is rating: ADCB Hayyak at 4.7 against Pay10 UAE's 3.5. ADCB Hayyak also leads on ratings volume (1.6K vs 2) and iOS requirement (11.0 vs 13.0). Pay10 UAE's advantage is update cadence (weekly vs every 2 months). On price, ads, in-app purchases and monetization model 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

ADCB Hayyak holds the better App Store score, 4.7 against 3.5. That said, the two scores are not equally well evidenced: ADCB Hayyak has 1.6K ratings behind it against 2, so its average is the more settled of the two.

UpkeepUpdate frequency

ADCB Hayyak ships an update every 2 months, Pay10 UAE weekly. The most recent releases landed on November 3, 2026 and October 30, 2026 respectively.

Scorecard4 real differences · 6 level
ADCB Hayyak versus Pay10 UAE: the parameters behind the verdict, then further details
ParameterADCB HayyakPay10 UAE
PriceFreeFree
Rating4.7 (1.6K ratings) — better3.5 (2 ratings)
Positive reviews60.6% of reviews—
Number of ratings1.6K — better2
Update frequencyEvery 2 monthsWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS11.0 — better13.0
Further details — not scored
Size58 MB206 MB
Age rating4+4+
DeveloperADCBPay Ten Payment Services Provider LLC

Customer experience

ADCB Hayyak

All ratings1,551 ratings
Positive93.9%
Neutral2.1%
Negative4.1%
Written reviews165 reviews
Positive60.6%
Neutral3.0%
Negative36.4%

Pay10 UAE

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

ADCB Hayyak

Reported bugs

3 issues
  • Unable to scan Emirates ID and passport
  • App gets stuck during account opening process
  • Existing customer status not recognized

Requested features

3 requests
  • Allow users to cancel and restart application
  • Provide clear instructions on required documents
  • Improve customer support and communication

Pay10 UAE

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

ADCB Hayyak

No in-app purchases

None

Pay10 UAE

No in-app purchases

Questions

Is ADCB Hayyak free?
ADCB Hayyak is free to download, with no in-app purchases.
Is Pay10 UAE free?
Pay10 UAE is free to download, with no in-app purchases.
Which has better reviews, ADCB Hayyak or Pay10 UAE?
ADCB Hayyak is rated higher. ADCB Hayyak averages 4.7 out of 5 from 1.6K ratings, while Pay10 UAE averages 3.5 from 2 ratings.
Do ADCB Hayyak or Pay10 UAE have ads?
Neither ADCB Hayyak nor Pay10 UAE shows ads.
Which is updated more often, ADCB Hayyak or Pay10 UAE?
ADCB Hayyak ships an update every 2 months, and Pay10 UAE weekly. Most recently, ADCB Hayyak was updated on November 3, 2026 and Pay10 UAE on October 30, 2026.

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