# BHIM UCO UPI vs PSB UnIC

The clearest difference is rating: PSB UnIC at 4.8 against BHIM UCO UPI's 1.0. PSB UnIC also leads on review sentiment (52% vs 14%) and update cadence (monthly vs every 5 months). On price, ratings volume, ads and in-app purchases there is nothing between them.

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

PSB UnIC holds the better App Store score, 4.8 against 1.0. Both are backed by a comparable volume of ratings — 2 and 4 respectively. Written reviews point the same way: 14% of BHIM UCO UPI's written reviews are positive against 52% of PSB UnIC's.

BHIM UCO UPI ships an update every 5 months, PSB UnIC monthly. The most recent releases landed on October 22, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | BHIM UCO UPI | PSB UnIC |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.0 (2 ratings)](https://appshunter.io/ios/app/bhim-uco-upi/id1452986347/reviews) | **[4.8 (4 ratings)](https://appshunter.io/ios/app/psb-unic/id1597657276/reviews)** |
| Number of ratings | 2 | **4** |
| Positive reviews | 14.3% of reviews | **51.7% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Monthly** |
| Monetization | Free | Free |
| Size | 19 MB | 197 MB |
| Requires iOS | 17 | 17.0 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [UCO BANK](https://appshunter.io/developer/1045009109) | [PUNJAB AND SIND BANK](https://appshunter.io/developer/1475907222) |

## What reviewers say

### BHIM UCO UPI

[App page](https://appshunter.io/ios/app/bhim-uco-upi/id1452986347)

This banking application allows users to send and receive money using a virtual private address. It facilitates various payment methods including P2P, P2A, and Aadhaar payments, and provides transaction history and beneficiary management.

**Highlights:** Send and receive money via Virtual Private Address, Supports P2P, P2A, and Aadhaar payments, Initiate and authorize collect requests, View transaction history, Add beneficiaries, Balance inquiry

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

**In-app purchases:** none


### PSB UnIC

[App page](https://appshunter.io/ios/app/psb-unic/id1597657276)

Manage your bank accounts, transfer funds, and invest in schemes. This app offers features like debit card management, cheque services, and instant payment options. Access exclusive banking services conveniently from your mobile device.

**Highlights:** Fund transfers (UPI, NEFT, RTGS, IMPS), Account details and statement generation, Invest in term deposits and social security schemes, Debit card management and application, Cheque services and positive pay, Biometric and MPIN login

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

**In-app purchases:** none


## Frequently asked questions

### Is BHIM UCO UPI free?

BHIM UCO UPI is free to download, with no in-app purchases.

### Is PSB UnIC free?

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

### Which has better reviews, BHIM UCO UPI or PSB UnIC?

PSB UnIC is rated higher. BHIM UCO UPI averages 1.0 out of 5 from 2 ratings, while PSB UnIC averages 4.8 from 4 ratings.

### Do BHIM UCO UPI or PSB UnIC have ads?

Neither BHIM UCO UPI nor PSB UnIC shows ads.

### Which is updated more often, BHIM UCO UPI or PSB UnIC?

BHIM UCO UPI ships an update every 5 months, and PSB UnIC monthly. Most recently, BHIM UCO UPI was updated on October 22, 2026 and PSB UnIC on October 24, 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.*