Comparison

TBC Pay Mobile vs Payunicard

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

Head to head
About

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.

Highlights
  • 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
Features
Read full description

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

About

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.

Highlights
  • 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
Features
Read full description

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

TBC Pay Mobile4 screens
Payunicard4 screens

Verdict

The call

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

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

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.

UpkeepUpdate frequency

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.

Scorecard6 real differences · 4 level
TBC Pay Mobile versus Payunicard: the parameters behind the verdict, then further details
ParameterTBC Pay MobilePayunicard
PriceFreeFree
Rating4.9 (2.5K ratings) — better3.8 (14 ratings)
Positive reviews66.7% of reviews — better0.0% of reviews
Number of ratings2.5K — better14
Update frequencyEvery 2 monthsEvery 3 weeks — better
AdsYesNo — better
In-app purchasesNoNo
MonetizationAd-supportedFree — better
DevicesiPhone, iPod — betteriPhone
Requires iOS15.6 — better16.0
Further details — not scored
Size47 MB64 MB
Age rating4+4+
DeveloperTBC PAY LLCPayunicard

Customer experience

TBC Pay Mobile

All ratings2,523 ratings
Positive97.2%
Neutral0.8%
Negative2.0%
Written reviews12 reviews
Positive66.7%
Neutral0.0%
Negative33.3%

Payunicard

All ratings14 ratings
Positive64.3%
Neutral7.1%
Negative28.6%
Written reviews6 reviews
Positive0.0%
Neutral33.3%
Negative66.7%

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

None

TBC Pay Mobile

No in-app purchases

None

Payunicard

No in-app purchases

Questions

Is TBC Pay Mobile free?
TBC Pay Mobile is free to download, with no in-app purchases.
Is Payunicard free?
Payunicard is free to download, with no in-app purchases.
Which has better reviews, TBC Pay Mobile or Payunicard?
TBC Pay Mobile is rated higher. TBC Pay Mobile averages 4.9 out of 5 from 2.5K ratings, while Payunicard averages 3.8 from 14 ratings.
Do TBC Pay Mobile or Payunicard have ads?
TBC Pay Mobile shows ads; Payunicard does not.
Which is updated more often, TBC Pay Mobile or Payunicard?
TBC Pay Mobile ships an update every 2 months, and Payunicard every 3 weeks. Most recently, TBC Pay Mobile was updated on August 10, 2026 and Payunicard on August 2, 2026.

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