Comparison

UOB TMRW Indonesia vs ASTRAPAY

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

Head to head
About

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.

Highlights
  • Personalized money insights
  • Alerts and reminders
  • Spending and saving recommendations
  • QR code payments
  • Manage cards and accounts
  • 24/7 live chat support
Features
Read full description

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

About

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.

Highlights
  • QRIS payments
  • Bill and service payments
  • Transportation payments
  • Top-up options
  • Fund transfers
  • AstraPoints rewards
Features
Read full description

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

UOB TMRW Indonesia4 screens
ASTRAPAY4 screens

Verdict

The call

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

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

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.

UpkeepUpdate frequency

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.

Scorecard4 real differences · 6 level
UOB TMRW Indonesia versus ASTRAPAY: the parameters behind the verdict, then further details
ParameterUOB TMRW IndonesiaASTRAPAY
PriceFreeFree
Rating4.3 (169 ratings) — better4.0 (4 ratings)
Positive reviews18.2% of reviews37.9% of reviews — better
Number of ratings169 — better4
Update frequencyEvery 3 monthsFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.0 — better13.6
Further details — not scored
Size351 MB136 MB
Age rating4+4+
DeveloperUnited Overseas Bank Limited Co.ASTRA DIGITAL ARTA, PT

Customer experience

UOB TMRW Indonesia

All ratings169 ratings
Positive82.2%
Neutral3.0%
Negative14.8%
Written reviews22 reviews
Positive18.2%
Neutral9.1%
Negative72.7%

ASTRAPAY

All ratings4 ratings
Positive75.0%
Neutral0.0%
Negative25.0%
Written reviews58 reviews
Positive37.9%
Neutral1.7%
Negative60.3%

In-app purchases

None

UOB TMRW Indonesia

No in-app purchases

None

ASTRAPAY

No in-app purchases

Questions

Is UOB TMRW Indonesia free?
UOB TMRW Indonesia is free to download, with no in-app purchases.
Is ASTRAPAY free?
ASTRAPAY is free to download, with no in-app purchases.
Which has better reviews, UOB TMRW Indonesia or ASTRAPAY?
UOB TMRW Indonesia is rated higher. UOB TMRW Indonesia averages 4.3 out of 5 from 169 ratings, while ASTRAPAY averages 4.0 from 4 ratings.
Do UOB TMRW Indonesia or ASTRAPAY have ads?
Neither UOB TMRW Indonesia nor ASTRAPAY shows ads.
Which is updated more often, UOB TMRW Indonesia or ASTRAPAY?
UOB TMRW Indonesia ships an update every 3 months, and ASTRAPAY fortnightly. Most recently, UOB TMRW Indonesia was updated on September 20, 2026 and ASTRAPAY on September 16, 2026.

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