Comparison

Liberty Mobile vs Payunicard

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Liberty Mobile

Manage your finances, open accounts, and get a digital card instantly. Transfer money, access loans, grow savings, and send international remittances securely from your phone.

Highlights
  • Digital account opening
  • Instant digital card
  • Money transfers
  • Loan applications
  • Savings accounts
  • International remittances
  • Currency exchange
Features
Read full description

MANAGE YOUR FINANCES ANYTIME, ANYWHERE WITH LIBERTY MOBILE BANKING. Become a Liberty customer in minutes, open accounts digitally, get a digital card instantly, add it to Apple Wallet, transfer money, access loans, grow your savings, and send or receive international remittances, all from one secure app. BECOME A CUSTOMER IN MINUTES Open an account and start banking digitally without visiting a branch. Existing Liberty customers can quickly register and access their banking services through the app. SIMPLE AND SECURE ACCESS Our username and password, passcode, or biometric authentication for fast and secure access to your finances. FINANCIAL OVERVIEW View your accounts, cards, deposits, and loans in one place, monitor balances, and stay up to date with your recent transactions. CARDS AT YOUR FINGERTIPS Create a digital card instantly and start using it right away with Apple Pay. Order and activate cards, block or unblock them, change your PIN, view card details, manage currency priorities, and stay in control of your cards wherever you are. MONEY TRANSFERS MADE EASY Transfer money between your own accounts, to other people, to credit cards, or to the state treasury. Make instant transfers, send money using an IBAN, phone number, or personal ID number, transfer funds from other banks to Liberty 24/7, save transfer templates, request money, and split expenses with other Liberty users. EVERYDAY PAYMENTS Top up your mobile balance, pay utility bills, parking fees, fines, and other services directly from your phone. Create payment groups, save templates, and manage recurring everyday payments with ease. LOANS AND CREDIT PRODUCTS Apply for and activate consumer loans digitally, manage your active loans, make repayments, and access Liberty credit products, including TOP Card, directly from the app. SAVE FOR YOUR GOALS Open and manage term deposits, savings products, and Money Box to save automatically and achieve your financial goals. INTERNATIONAL REMITTANCES Receive and send money transfers from abroad quickly and conveniently, without visiting a branch. CURRENCY EXCHANGE View current and historical exchange rates, exchange currencies using the Mobile Bank rate, request a special exchange rate, and use the built-in currency calculator. ACTIVITY AND HISTORY Track the status of your operations and easily search or filter your transaction history by account, currency, keyword, or date. ATMS AND BRANCHES Find nearby ATMs, branches, payment terminals, and other Liberty service locations across Georgia. Liberty Mobile Banking helps you manage your everyday finances with confidence, wherever you are.

About

Payunicard

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
Read full description

MY EVERYDAY LOYAL UNIWALLET PayUnicard Application is an everyday tool to manage your e-money account and get rewards for financial transactions. PayUnicard LLC - first in CISSEE region non-financial institution offering wallets linked with VISA & MasterCard prepaid cards with built-in comprehensive loyalty functionality. You can board, open a wallet or card accounts, order your VISA or MasterCard online, send money, exchange currency, utility payments, get customized loyalty offers, form merchants directly, collect and spend UNIPOINTS and be the part of Unicard loyalty program together with 2 mln customers, enjoying community advantages while making transactions. PayUnicard Products – Prepaid Visa/MasterCard cards for international use are tightly integrated with Unicard loyalty functionality and partnership network. Our Loyal customers and cardholders receive special rates, e-money cashback, UNIPoints, online vouchers and presents, discounts and countless ongoing hot offers from UNIcard partner merchants. - Become our customer online - Manage your money easy way! - See an easy summary of payments/transactions - Collect and spend Unicard bonuses with no limitations - Take an overview of your spending’s any time, be notified if you’re spending too fast. With Payunicard APP customers can combine payment and loyalty cards in one space, spend your –e-money everywhere Visa/MasterCard is accepted, F2F and online, transfer or exchange money, pay utility bills. Before anything else you will benefit from each financial transaction – earn while other spend!

Screenshots

Liberty Mobile4 screens
Payunicard4 screens

Verdict

The call

The clearest difference is review sentiment: Liberty Mobile at 81% against Payunicard's 0%. Liberty Mobile also leads on rating (4.8 vs 3.8) and ratings volume (7.2K vs 14). Payunicard's advantage is ads (none vs shown) and monetization model (free vs ad-supported). On price, in-app purchases, device support and iOS requirement 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

Liberty Mobile holds the better App Store score, 4.8 against 3.8. That said, the two scores are not equally well evidenced: Liberty Mobile has 7.2K ratings behind it against 14, so its average is the more settled of the two. Written reviews point the same way: 81% of Liberty Mobile's written reviews are positive against 0% of Payunicard's.

UpkeepUpdate frequency

Liberty Mobile ships an update every 8 days, Payunicard every 3 weeks. The most recent releases landed on November 6, 2026 and November 3, 2026 respectively.

Scorecard6 real differences · 4 level
Liberty Mobile versus Payunicard: the parameters behind the verdict, then further details
ParameterLiberty MobilePayunicard
PriceFreeFree
Rating4.8 (7.2K ratings) — better3.8 (14 ratings)
Positive reviews81.0% of reviews — better0.0% of reviews
Number of ratings7.2K — better14
Update frequencyEvery 8 days — betterEvery 3 weeks
AdsYesNo — better
In-app purchasesNoNo
MonetizationAd-supportedFree — better
DevicesiPhone, iPod — betteriPhone
Requires iOS15.0 — better16.0
Further details — not scored
Size282 MB73 MB
Age rating17+4+
DeveloperJSC Liberty BankPayunicard

Customer experience

Liberty Mobile

All ratings7,194 ratings
Positive94.2%
Neutral1.9%
Negative3.9%
Written reviews315 reviews
Positive81.0%
Neutral4.1%
Negative14.9%

Payunicard

All ratings14 ratings
Positive64.3%
Neutral7.1%
Negative28.6%
Written reviews6 reviews
Positive0.0%
Neutral33.3%
Negative66.7%

Bugs and requests

Liberty Mobile

Reported bugs

3 issues
  • App crashes on startup for some users
  • Issues with automatic payments and transfers
  • Compatibility problems with older devices

Requested features

3 requests
  • Dark mode option
  • Improved transaction history and analytics
  • Seamless integration with other financial services

Payunicard

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Liberty Mobile

No in-app purchases

None

Payunicard

No in-app purchases

Questions

Is Liberty Mobile free?
Liberty 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, Liberty Mobile or Payunicard?
Liberty Mobile is rated higher. Liberty Mobile averages 4.8 out of 5 from 7.2K ratings, while Payunicard averages 3.8 from 14 ratings.
Do Liberty Mobile or Payunicard have ads?
Liberty Mobile shows ads; Payunicard does not.
Which is updated more often, Liberty Mobile or Payunicard?
Liberty Mobile ships an update every 8 days, and Payunicard every 3 weeks. Most recently, Liberty Mobile was updated on November 6, 2026 and Payunicard on November 3, 2026.

Other comparisons