TBC Pay Mobile vs Payunicard
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
TBC Pay Mobile
This payment app facilitates instant money transfers using only a mobile number and allows users to request money from friends, split bills, and pay for various services. It also offers mobile top-ups, utility bill payments, and more, with the option to use wallet balance for discounts.
- Instant money transfers via mobile number
- Money requests and bill splitting
- Mobile balance top-ups
- Utility bill payments
- Transport fine payments
- Banking service repayments
- Wallet balance for discounts
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TBC Pay is a payment app, with thousands of service payments and money transfer services App includes: - Money transfers: transfer money instantly using receivers mobile number only - Money request: request money from a friend, share bills - Various service payments: top up mobile balance, pay utility bills and transport fines, repay banking services and more - Wallet: Use your wallet balance and pay less
Payunicard
Manage your e-money and earn rewards with this financial tool. Link payment and loyalty cards, make transactions, and access exclusive offers from partners. Enjoy benefits like cashback and bonus points for every financial activity.
- Manage e-money accounts
- Order prepaid Visa/MasterCard
- Send and exchange currency
- Pay utility bills
- Earn and spend UNIPOINTS
- Access customized loyalty offers
- Track transactions and spending
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MY EVERYDAY LOYAL UNIWALLET PayUnicard Application is an everyday tool to manage your e-money account and get rewards for financial transactions. PayUnicard LLC - first in CISSEE region non-financial institution offering wallets linked with VISA & MasterCard prepaid cards with built-in comprehensive loyalty functionality. You can board, open a wallet or card accounts, order your VISA or MasterCard online, send money, exchange currency, utility payments, get customized loyalty offers, form merchants directly, collect and spend UNIPOINTS and be the part of Unicard loyalty program together with 2 mln customers, enjoying community advantages while making transactions. PayUnicard Products – Prepaid Visa/MasterCard cards for international use are tightly integrated with Unicard loyalty functionality and partnership network. Our Loyal customers and cardholders receive special rates, e-money cashback, UNIPoints, online vouchers and presents, discounts and countless ongoing hot offers from UNIcard partner merchants. - Become our customer online - Manage your money easy way! - See an easy summary of payments/transactions - Collect and spend Unicard bonuses with no limitations - Take an overview of your spending’s any time, be notified if you’re spending too fast. With Payunicard APP customers can combine payment and loyalty cards in one space, spend your –e-money everywhere Visa/MasterCard is accepted, F2F and online, transfer or exchange money, pay utility bills. Before anything else you will benefit from each financial transaction – earn while other spend!
Screenshots
Verdict
The clearest difference is review sentiment: TBC Pay Mobile at 67% against Payunicard's 0%. TBC Pay Mobile also leads on rating (4.9 vs 3.8) and ratings volume (2.5K vs 14). Payunicard's advantage is ads (none vs shown) and update cadence (every 3 weeks vs every 2 months). On price, in-app purchases, device support 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
TBC Pay Mobile holds the better App Store score, 4.9 against 3.8. That said, the two scores are not equally well evidenced: TBC Pay Mobile has 2.5K ratings behind it against 14, so its average is the more settled of the two. Written reviews point the same way: 67% of TBC Pay Mobile's written reviews are positive against 0% of Payunicard's.
TBC Pay Mobile ships an update every 2 months, Payunicard every 3 weeks. The most recent releases landed on August 10, 2026 and August 2, 2026 respectively.
| Parameter | TBC Pay Mobile | Payunicard |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (2.5K ratings) — better | 3.8 (14 ratings) |
| Positive reviews | 66.7% of reviews — better | 0.0% of reviews |
| Number of ratings | 2.5K — better | 14 |
| Update frequency | Every 2 months | Every 3 weeks — better |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 15.6 — better | 16.0 |
| Further details — not scored | ||
| Size | 47 MB | 64 MB |
| Age rating | 4+ | 4+ |
| Developer | TBC PAY LLC | Payunicard |
Customer experience
TBC Pay Mobile
Payunicard
Bugs and requests
TBC Pay Mobile
Reported bugs
2 issues- Payments not processed on time
- Incorrect exchange rate displayed
Requested features
2 requests- Add English or Russian language support
- Improve gift card purchase process
Payunicard
Not enough reviews yet to summarise bugs or requests.
In-app purchases
TBC Pay Mobile
No in-app purchases
Payunicard
No in-app purchases
Questions
Is TBC Pay Mobile free?
Is Payunicard free?
Which has better reviews, TBC Pay Mobile or Payunicard?
Do TBC Pay Mobile or Payunicard have ads?
Which is updated more often, TBC Pay Mobile or Payunicard?
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