# Ubank vs On The Monee

The clearest difference is review sentiment: On The Monee at 71% against Ubank's 44%. Ubank's advantage is update cadence (fortnightly vs monthly). On price, ads, in-app purchases and monetization model there is nothing between them.

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

Ubank ships an update fortnightly, On The Monee monthly. The most recent releases landed on November 11, 2026 and November 7, 2026 respectively.

## The numbers

| Metric | Ubank | On The Monee |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (169 ratings)](https://appshunter.io/ios/app/ubank-digital-banking/id1449543099/reviews)** | — |
| Number of ratings | **169** | — |
| Positive reviews | 43.8% of reviews | **71.4% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Monthly |
| Monetization | Free | Free |
| Size | 142 MB | 124 MB |
| Requires iOS | 16.4 | **15.6** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [86 400 Technology Pty Ltd](https://appshunter.io/developer/1395091065) | [Valorem Pty Ltd](https://appshunter.io/developer/1692474421) |

## What reviewers say

### Ubank

[App page](https://appshunter.io/ios/app/ubank-digital-banking/id1449543099)

A digital banking app offering seamless management of daily finances, savings, travel expenses, and home loans. It provides smart tools for budgeting, instant transfers, and secure account access, making money management simple and personal.

**Highlights:** Digital bank accounts with no fees, High bonus interest savings accounts, Fee-free overseas spending and withdrawals, Real-time budgeting and spending tracking, Home loans with paperless application, Secure passkey login

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Simple and easy banking
- 🔒 Secure and trustworthy
- 👍 User-friendly app and website
- 💰 Competitive interest rates
- 🤝 Shared accounts feature

**What reviewers complain about**

- 🐛 Buggy app with frequent crashes and login issues
- 🔒 Restrictive ID requirements for account opening
- 🤔 Confusing changes to account structure and transaction rules
- 🕰️ Slow customer support and unresponsive to issues
- 💳 Inability to pay directly from savings accounts

**Reported bugs**

- Passkey login frequently not working
- Account balance not updating correctly
- Inability to delete old passkeys
- Swipe back gesture not functioning
- App freezing on splash screen

**Requested features**

- Custom expense categorization
- Apple Watch app or home screen widgets
- Improved transaction history and balance tracking
- Seamless integration with other bank accounts
- More transparency around interest rate changes


### On The Monee

[App page](https://appshunter.io/ios/app/on-the-monee/id6450246744)

This digital tipping solution allows casual workers to receive and spend tips instantly via a digital card. Employers can pay employees electronically and securely. Users also gain access to over 4500 retailer discounts.

**Highlights:** Instant tip payments, Digital wallet, Retailer discounts, Secure electronic payments, Employee payment solution

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

**In-app purchases:** none


## Frequently asked questions

### Is Ubank free?

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

### Is On The Monee free?

On The Monee is free to download, with no in-app purchases.

### Do Ubank or On The Monee have ads?

Neither Ubank nor On The Monee shows ads.

### Which is updated more often, Ubank or On The Monee?

Ubank ships an update fortnightly, and On The Monee monthly. Most recently, Ubank was updated on November 11, 2026 and On The Monee on November 7, 2026.

---

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