# TBC Pay Mobile vs Payunicard

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.

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.

## The numbers

| Metric | TBC Pay Mobile | Payunicard |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (2.5K ratings)](https://appshunter.io/ios/app/tbc-pay-mobile/id1441646599/reviews)** | [3.8 (14 ratings)](https://appshunter.io/ios/app/payunicard/id1601218066/reviews) |
| Number of ratings | **2.5K** | 14 |
| Positive reviews | **66.7% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 2 months | **Every 3 weeks** |
| Monetization | Ad-supported | **Free** |
| Size | 47 MB | 64 MB |
| Requires iOS | **15.6** | 16.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [TBC PAY LLC](https://appshunter.io/developer/1441646598) | [Payunicard](https://appshunter.io/developer/1601218068) |

## What reviewers say

### TBC Pay Mobile

[App page](https://appshunter.io/ios/app/tbc-pay-mobile/id1441646599)

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:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 👍 Great service
- 👍 Easy and fast payments
- 👍 No commissions

**What reviewers complain about**

- 🐛 Unreliable transactions
- 🔒 Lack of foreign payment options
- 🔒 Poor customer support

**Reported bugs**

- Payments not processed on time
- Incorrect exchange rate displayed

**Requested features**

- Add English or Russian language support
- Improve gift card purchase process


### Payunicard

[App page](https://appshunter.io/ios/app/payunicard/id1601218066)

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:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*