# Ubank vs Pyng

The clearest difference is rating: Ubank at 4.6 against Pyng's 4.0. Ubank also leads on ratings volume (168 vs 4) and monetization model (free vs ad-supported). On price, review sentiment, update cadence and ads there is nothing between them.

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

Ubank holds the better App Store score, 4.6 against 4.0. That said, the two scores are not equally well evidenced: Ubank has 168 ratings behind it against 4, so its average is the more settled of the two. Written reviews complicate that: 44% of Ubank's written reviews are positive against 50% of Pyng's, so the app with the better star average is not the one people write more warmly about.

Ubank ships an update fortnightly, Pyng every 9 days. The most recent releases landed on October 29, 2026 and October 27, 2026 respectively.

## The numbers

| Metric | Ubank | Pyng |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (168 ratings)](https://appshunter.io/ios/app/ubank-digital-banking/id1449543099/reviews)** | [4.0 (4 ratings)](https://appshunter.io/ios/app/pyng/id6483862761/reviews) |
| Number of ratings | **168** | 4 |
| Positive reviews | 43.8% of reviews | **50.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Fortnightly | **Every 9 days** |
| Monetization | **Free** | Ad-supported |
| Size | 142 MB | 42 MB |
| Requires iOS | 16.4 | **15.6** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 12+ |
| Developer | [86 400 Technology Pty Ltd](https://appshunter.io/developer/1395091065) | [Pyng Payments Pty Ltd](https://appshunter.io/developer/1740303483) |

## 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


### Pyng

[App page](https://appshunter.io/ios/app/pyng/id6483862761)

This app offers a secure and cost-effective payment solution by allowing users to pay directly from their bank accounts. It eliminates surcharges for both users and merchants, ensuring your money remains safe and under your control.

**Highlights:** Zero surcharges for users and merchants, Direct payment from bank account, Enhanced security through bank authentication, Set spending limits, QR code payment integration

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

**In-app purchases:** none


## Frequently asked questions

### Is Ubank free?

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

### Is Pyng free?

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

### Which has better reviews, Ubank or Pyng?

Ubank is rated higher. Ubank averages 4.6 out of 5 from 168 ratings, while Pyng averages 4.0 from 4 ratings.

### Do Ubank or Pyng have ads?

Neither Ubank nor Pyng shows ads.

### Which is updated more often, Ubank or Pyng?

Ubank ships an update fortnightly, and Pyng every 9 days. Most recently, Ubank was updated on October 29, 2026 and Pyng on October 27, 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.*