UOB TMRW Indonesia vs ASTRAPAY
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
UOB TMRW Indonesia
This app simplifies your banking with personalized insights, alerts, and recommendations. Enjoy a seamless design for quick transactions, QR code payments, and easy management of accounts and cards. Get 24/7 support through live chat.
- Personalized money insights
- Alerts and reminders
- Spending and saving recommendations
- QR code payments
- Manage cards and accounts
- 24/7 live chat support
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Meet UOB TMRW, the all-in-one app for all your financial needs. It’s banking made simple, easy and personal for you: - Personalised money insights – Bank smarter with alerts, reminders, and spending and saving recommendations just for you. - Seamless and efficient design – Fast and effortless access to transactions, accounts and services. You can also make QR code payments directly from the login screen. - Easily manage cards and accounts – Change your transaction limits, make scheduled transfers and do more without leaving the app. - 24/7 support and answers – Get help right at your fingertips with our live chat agent whenever you need it
ASTRAPAY
This digital payment solution simplifies daily transactions for bills, transportation, and daily needs. It offers convenient QRIS payments, bill settlements for various services, and easy top-ups. Earn rewards and transfer funds seamlessly.
- QRIS payments
- Bill and service payments
- Transportation payments
- Top-up options
- Fund transfers
- AstraPoints rewards
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Dari kebutuhan harian, bulanan, sampe tahunan #APAAJAASTRAPAY Selalu percayakan AstraPay sebagai solusi pembayaran digital di kehidupan sehari-harimu! Mulai dari memenuhi kebutuhan rumah tangga, bayar servis kendaraan, transportasi untuk pergi ke kantor, bayar asuransi hingga nongkrong di cafe yang aesthetic. Sekarang, kamu bisa bayar apa aja dengan simple, aman dan bikin kamu lebih untung karena AstraPay will always makes your day. Yuk, intip ada fitur-fitur apa aja di AstraPay: Bayar Apapun Lebih Simple Pake Scan QRIS Sekarang, Gak perlu worry lupa bawa dompet pas lagi nongkrong karena ada AstraPay yang memudahkan pembayaranmu. Transaksi lebih simple, nyaman dan aman. Bayar Ini Itu Jadi Lebih Gampang Siapa di sini yang panik kalau lampu rumah tiba-tiba mati tengah malam, pulsa mau habis saat doi minta call, kartu e-money ketinggalan pas mau naik MRT, mau masak tapi persediaan di kulkas habis, badan gaenak badan tapi mager pergi ke dokter? Nih, ada AstraPay yang bikin kamu gak panik lagi kalau kejadian tadi terjadi. - Kamu bisa bayar/beli Pulsa, Paket Data, Pascabayar, Voucher Game, Telkom, Internet, TV Kabel, PLN, PDAM, PGN, Pertagas, Donasi & Zakat, Asuransi, dan PBB dari rumah aja pake AstraPay. - Lebih nyaman naik transportasi umum tanpa takut ketinggalan kartu karena bisa bayar MRT Jakarta, TransJakarta, Trans Jateng, Trans Jatim, Trans Jogja, Trans Semarang, Trans Batam hingga Daytrans pake AstraPay - Kebutuhan harian jadi lebih hemat pakai promo dari AstraPay di SayurBox, Segari, AlloFresh, dan Halodoc. Bayar Angsuran Astra Group dan Lainnya Sekarang kamu cuma butuh satu aplikasi untuk bayar angsuran Astra Group seperti FIFGROUP, TAF, ACC, Maucash, serta tagihan bulanan, pajak dan masih banyak lagi. Top-up Tanpa Ribet Saldo AstraPay kamu kurang? Tenang, gak usah panik! Kamu bisa top-up saldo AstraPay lewat ATM, internet banking, atau m-banking dengan +10 bank rekanan AstraPay termasuk Bank Permata, BCA, BNI, CIMB Niaga, dan bank lainnya atau kamu bisa langsung meluncur ke Alfamart terdekat. Transfer ke Sesama Pengguna Sekarang, mau transfer uang untuk orang tua, istri, anak, atau doi, semua bisa kamu lakukan dengan fitur Transfer Sesama Pengguna nih, lebih cepat dan pastinya tidak ada biaya admin! Kumpulin AstraPoints Sebanyak-banyaknya 1 AstraPoints = 1 Rupiah. Yuk, kumpulin AstraPoints sebanyak-banyaknya dan tukarkan dengan voucher menarik untuk nonton, belanja, jalan-jalan dan nongkrong di cafe ternama. Temukan keasikan dalam menggunakan AstraPay untuk keseharianmu Karena mulai kebutuhan harian, bulanan sampe tahunan #APAAJAASTRAPAY!
Screenshots
Verdict
The clearest difference is update cadence: ASTRAPAY at fortnightly against UOB TMRW Indonesia's every 3 months. ASTRAPAY also leads on review sentiment (38% vs 18%). UOB TMRW Indonesia's advantage is rating (4.3 vs 4.0) and ratings volume (169 vs 4). On price, ads, in-app purchases and monetization model 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.
UOB TMRW Indonesia holds the better App Store score, 4.3 against 4.0. That said, the two scores are not equally well evidenced: UOB TMRW Indonesia has 169 ratings behind it against 4, so its average is the more settled of the two. Written reviews complicate that: 18% of UOB TMRW Indonesia's written reviews are positive against 38% of ASTRAPAY's, so the app with the better star average is not the one people write more warmly about.
UOB TMRW Indonesia ships an update every 3 months, ASTRAPAY fortnightly. The most recent releases landed on September 20, 2026 and September 16, 2026 respectively.
| Parameter | UOB TMRW Indonesia | ASTRAPAY |
|---|---|---|
| Price | Free | Free |
| Rating | 4.3 (169 ratings) — better | 4.0 (4 ratings) |
| Positive reviews | 18.2% of reviews | 37.9% of reviews — better |
| Number of ratings | 169 — better | 4 |
| Update frequency | Every 3 months | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 — better | 13.6 |
| Further details — not scored | ||
| Size | 351 MB | 136 MB |
| Age rating | 4+ | 4+ |
| Developer | United Overseas Bank Limited Co. | ASTRA DIGITAL ARTA, PT |
Customer experience
UOB TMRW Indonesia
ASTRAPAY
In-app purchases
UOB TMRW Indonesia
No in-app purchases
ASTRAPAY
No in-app purchases
Questions
Is UOB TMRW Indonesia free?
Is ASTRAPAY free?
Which has better reviews, UOB TMRW Indonesia or ASTRAPAY?
Do UOB TMRW Indonesia or ASTRAPAY have ads?
Which is updated more often, UOB TMRW Indonesia or ASTRAPAY?
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