Comparison

Skiply vs Deem

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

Head to head
About

Skiply

This app simplifies school payments for parents in the UAE. It allows secure mobile payments for tuition, uniforms, books, and school events using any bank card. Features include digital permission slips, email receipts, and multiple card support.

Highlights
  • Secure school payments
  • Tuition, uniform, book payments
  • Digital permission slips
  • Email receipts
  • Multiple card support
  • Transaction history access
Features
Read full description

Skip the hassle with easier school payments. Skiply is a mobile payment service powered by RAKBANK that allows parents to make secured payments to schools in UAE with any bank Card. Skiply features include; tuition fee, uniforms, transportation, books payments using a mobile app, signed permission slips for events, email receipts, multiple card support, and much more. Making school payments have never been this easy, say Goodbye to waiting in queues to pay for your Childs’s school fee. Good enough? What if we say, School books for your child is just a login away, ready to get started? Download the app and skip quickly through the long waiting queues. The interface is well-designed and straightforward with impressive offers and push notifications, reminding you of when payments are due. Here are some of Skiply’s features: Seamless user registration, student registration, product catalogue for your school, notifications, order management, Online payment and offers, Email receipts, Multiple card support and much more to explore! With Skiply you can: • Discover all the schools near your location. • Pay online: users can pay off the school products ahead of time, then collect the products or have it delivered to your home. • Parents can pay online for student events arranged by school and sign school permission slip digitally • Create a free MasterPass account: Skiply uses MasterPass, MasterCard’s secure digital wallet solution that accepts MasterCard and Visa. • The Apple Pay/Samsung pay/Google pay checkout option is coming later this year. • Access your eReceipts: now you can easily review your Skiply transaction history in the app. Once you select the school, the app checks for the students registered for that school, Once you click add student you will see your child’s details. Confirm and you are now ready to start exploring the school’s catalogue and make payments for your child’s school needs. You can pay using one of your uploaded payment cards whenever you like. That means you can skip quickly to completion without having to visit the school and spend your precious time waiting in queues. The great thing about Skiply is that family members and guardians who have the app can also use it to pay. All family members will have access to the transaction history. Thanks to Skiply, the payment outstanding is cleared the minute the payment is successfully completed. Is my payment secure? Can someone see my card details? Is it safe to save my card in the Skiply wallet? Well worry no more, the technology provides a single digital storage place for all your payment and shipping information, and encrypts it to keep it out of harm’s way. When you make an online purchase, you simply use the digitally secure checkout option and your payment is processed using the information you have stored.

About

Deem

Manage your credit card and personal loans with this intuitive app. Apply for new credit cards, track benefits and rewards, and access customer support. Enjoy a secure and convenient digital financial experience.

Highlights
  • Manage credit card and personal loans
  • Apply for new credit cards
  • Access benefits and rewards
  • Receive customer support
  • Secure financial data management
Features
Read full description

Introducing the all-new Deem Mobile App, a new digital experience to effortlessly manage your Deem Credit Card or Personal Loan. We've completely transformed the way you engage with your finances, delivering an unparalleled & intuitive user experience, with access to a wider range of Deem products and services. Features: Take Control: Seamlessly manage and control your finances with a few taps. You're in charge. Effortless Credit Card Applications: New customers can effortlessly apply for credit cards directly through the app, streamlining the onboarding process. Unlock a world of possibilities at your fingertips. All-in-One Hub: Access all your benefits and rewards in one place, making your financial experience truly comprehensive. Exceptional Customer Support: Our app is designed to provide help when you need it, ensuring you're never alone on your financial journey. Top-tier Security: Your financial data's security is our utmost priority. With state-of-the-art security measures, your information is safeguarded like never before. Download the new Deem Mobile App today and take hold of your financial future. Immerse yourself in the convenience, efficiency, and unwavering reliability of a financial companion that prioritizes your needs. Your path to an effortless digital experience is just a download away.

Screenshots

Skiply4 screens
Deem4 screens

Verdict

The call

The clearest difference is rating: Skiply at 4.8 against Deem's 2.3. Skiply also leads on review sentiment (47% vs 13%) and ratings volume (467 vs 6). On price, update cadence, 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

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

Skiply holds the better App Store score, 4.8 against 2.3. That said, the two scores are not equally well evidenced: Skiply has 467 ratings behind it against 6, so its average is the more settled of the two. Written reviews point the same way: 47% of Skiply's written reviews are positive against 13% of Deem's.

UpkeepUpdate frequency

Skiply ships an update fortnightly, Deem every 3 weeks. The most recent releases landed on October 29, 2026 and October 27, 2026 respectively.

Scorecard3 real differences · 7 level
Skiply versus Deem: the parameters behind the verdict, then further details
ParameterSkiplyDeem
PriceFreeFree
Rating4.8 (467 ratings) — better2.3 (6 ratings)
Positive reviews47.1% of reviews — better13.3% of reviews
Number of ratings467 — better6
Update frequencyFortnightly — betterEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhoneiPhone
Requires iOS16.0 — better16.6
Further details — not scored
Size40 MB62 MB
Age rating4+17+
DeveloperNational Bank of Ras Al KhaimahDeem

Customer experience

Skiply

All ratings454 ratings
Positive95.8%
Neutral0.7%
Negative3.5%
Written reviews17 reviews
Positive47.1%
Neutral0.0%
Negative52.9%

Deem

All ratings5 ratings
Positive40.0%
Neutral0.0%
Negative60.0%
Written reviews75 reviews
Positive13.3%
Neutral6.7%
Negative80.0%

User reviews

Skiply

From 467 App Store ratings

What we love

  • 👍 Good for paying school fees
  • 👍 Simple and easy to use
  • 👍 Nice app for school payments
  • 👍 Cool and easy to manage school fees

Room to improve

  • 🐛 Update has broken payments features
  • 🐛 No OTP received
  • 🐛 Repetitive and long sign-up process
  • 🐛 Payment info entry is confusing and potentially insecure
  • 🐛 Outstanding fees not showing

Deem

From 6 App Store ratings

What we love

  • 👨‍💼 Helpful individual staff members (Akbar Ali, Syed Akbar Naqvi, Wasay, Soul Thomas)
  • ✅ Some app improvements in newer versions
  • 💳 User-friendly interface for checking card details
  • 📊 Real-time card usage tracking
  • 🎯 Improved navigation in recent updates

Room to improve

  • 📞 Extremely poor customer service responsiveness
  • 🐛 App crashes and freezes frequently
  • ❌ Unresponsive to cancellation requests
  • 💰 Unauthorized charges and hidden fees
  • 🔐 Login and authentication issues

Bugs and requests

Skiply

Reported bugs

11 issues
  • Apple Pay and payment flow not working
  • Not receiving OTP for student addition
  • Repetitive student details entry
  • Confusing payment info entry with hidden CVC field
  • Outstanding fees not displayed
Show 6 more
  • App lagging
  • Cannot process payments for multiple children simultaneously
  • Login error: 'couldn't login due to hystrix callback invoked'
  • App freezes during payment selection
  • Back button malfunction
  • Registration failure

Requested features

2 requests
  • Allow multiple kids to be paid for at once
  • Improve payment security

Deem

Reported bugs

20 issues
  • App not opening or loading after updates
  • Login stuck or session expiration errors
  • Password change functionality broken
  • Credit card not displaying in app after activation
  • Card unlock option showing blank white screen
Show 15 more
  • KYC update failing repeatedly
  • EID updation showing persistent errors
  • Payment transaction rejection despite available balance
  • Incorrect balance display and statement information
  • Duplicate transactions appearing
  • App showing wrong card or no card at all
  • Registration page stuck on blank white page
  • Excess limit fees charged incorrectly
  • Cashback points not reflecting in balance
  • Payment not showing in real-time
  • App laggy and slow performance
  • Error messages: 'Something is wrong, please try again later'
  • Buffering issues on payment portal
  • Downloaded wrong user statement
  • App incompatible with iOS 15.5

Requested features

11 requests
  • Real-time balance updates after payments
  • Current month outstanding amount visibility
  • Statement download functionality
  • Apple Wallet integration
  • Dark mode option
Show 6 more
  • Direct manager escalation option in IVR
  • Cashback details visibility in app
  • Card full limit display in dashboard
  • SMS notifications for account deductions
  • Auto-logout disable option in settings
  • Previous statements and due dates visibility

In-app purchases

None

Skiply

No in-app purchases

None

Deem

No in-app purchases

Questions

Is Skiply free?
Skiply is free to download, with no in-app purchases.
Is Deem free?
Deem is free to download, with no in-app purchases.
Which has better reviews, Skiply or Deem?
Skiply is rated higher. Skiply averages 4.8 out of 5 from 467 ratings, while Deem averages 2.3 from 6 ratings.
Do Skiply or Deem have ads?
Neither Skiply nor Deem shows ads.
Which is updated more often, Skiply or Deem?
Skiply ships an update fortnightly, and Deem every 3 weeks. Most recently, Skiply was updated on October 29, 2026 and Deem on October 27, 2026.

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