e vs UnelmaPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
e
This finance app facilitates saving and borrowing money through a digital platform, mimicking a traditional piggy bank or 'khutrukey'. It allows users to manage their finances without visiting a physical bank and offers peer-to-peer lending options.
- Digital savings account
- Peer-to-peer lending
- Mobile-first finance management
- Virtual piggy bank functionality
- Access without physical bank visits
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e-dheba is an app introduced by 'IMPERIAL CREDIT & SAVINGS COOPERATIVE LTD.' that encourages you to save money using online technologies and your phone without having to go to a physical bank and that also lets you borrow money from your peer network instead of through traditional avenues like banks and credit cards. The concept would be that the app would work like a 'khutrukey' or a 'piggy bank' where they can save money from the app itself.
UnelmaPay
This digital wallet facilitates secure and convenient online payments. It enables users to transfer funds between wallets, accept payments via major gateways, and manage utility bill payments. It's a comprehensive payment ecosystem for seamless transactions.
- Online payment processing
- Wallet-to-wallet fund transfers
- Accept payments via third-party gateways
- Utility bill payments
- Top-up services
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Unelma Pay is a digital wallet that lets you pay, send and receive money — a complete payment ecosystem for everyday payments. WITH UNELMA PAY YOU CAN • Send money abroad — global remittance to supported countries, including Africa and Asia • Send international mobile top-up and recharge to phones worldwide • Send and receive money instantly between Unelma Pay users • Top up mobile balance and buy NTC & Ncell data packages • Pay utility bills — electricity, water, internet, TV, insurance premiums and traffic fines • Book domestic and international flights, hotels and bus tickets • Get a virtual Visa card for online payments worldwide • Buy international gift cards from hundreds of global brands • Load your wallet via local banks and supported payment partners • Track every payment with full history and downloadable PDF receipts Unelma Pay is more than a wallet — it's an entire payment ecosystem. JOIN THE COMMUNITY Facebook: https://www.facebook.com/unelmapay/ PROBLEMS? FEEDBACK? The more you tell us, the better UnelmaPay gets. https://unelmasupport.com
Screenshots
Verdict
The clearest difference is rating: e at 3.3 against UnelmaPay's 1.0. e also leads on ratings volume (7 vs 1) and iOS requirement (13.0 vs 15.0). UnelmaPay's advantage is update cadence (every 3 days vs every 9 days). On price, review sentiment, ads and in-app purchases 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.
e holds the better App Store score, 3.3 against 1.0. That said, the two scores are not equally well evidenced: e has 7 ratings behind it against 1, so its average is the more settled of the two. Written reviews split almost evenly too, at 0% and 0% positive.
e ships an update every 9 days, UnelmaPay every 3 days. The most recent releases landed on September 25, 2026 and October 8, 2026 respectively.
| Parameter | e | UnelmaPay |
|---|---|---|
| Price | Free | Free |
| Rating | 3.3 (7 ratings) — better | 1.0 (1 ratings) |
| Positive reviews | 0.0% of reviews | 0.0% of reviews |
| Number of ratings | 7 — better | 1 |
| Update frequency | Every 9 days | Every 3 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 13.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 98 MB | 36 MB |
| Age rating | 4+ | 17+ |
| Developer | IMPERIAL CREDIT & SAVINGS COOPERATIVE LTD. | Unelma Platforms |
Customer experience
e
UnelmaPay
In-app purchases
e
No in-app purchases
UnelmaPay
No in-app purchases
