Comparison

Flouci vs UBCI Secure

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

Head to head
About

Flouci

Manage your finances with a digital banking experience. Open a free bank account, send and receive money instantly, and make secure payments to merchants. Integrate for business payments or use it for personal transactions.

Highlights
  • Free bank account opening
  • Instant money transfers
  • In-store and online payments
  • Merchant payment integration
  • QR code payments
  • Digital wallet
Features
Read full description

Flouci is your super-app that does everything banking, transactions and payments. Open your free bank account in a few minutes on your phone and get the real digital banking experience - instant money transfers, quick payments in-store and online, easy integrations, and everything in between. GET A FREE BANK ACCOUNT Open a free bank account in a few minutes. All you have to do is follow the instructions, upload the needed documents, and sign your contract. Your new account is directly linked to your Flouci wallet. You can use the account number to deposit your salary or receive payments directly to your account. SEND & RECEIVE MONEY Send and receive money to and from anybody that has a Flouci wallet. It’s easy, cheap, and secure. And it’s pretty instant. All you have to do is enter their number or scan their personal QR code to connect to their profile. You enter the amount and confirm. You both then receive a confirmation, and you’re done! PAY & GET PAID INSTANTLY You now have access to a wide range of partner merchants across Tunisia. You can pay through the app by simply scanning the QR code shown on the counter or the checkout page. Are you a merchant yourself? You can integrate Flouci and start accepting payments in-store and online too! No waiting lines, no more looking for change, or finding out you forgot your wallet at home. Sign up today and stop worrying about waiting lines and cash!

About

UBCI Secure

Features
Read full description

UBCI Secure, permet de générer un jeton ou mot de passe à usage unique composé de 6 chiffres, utilisé au niveau de Ubank comme deuxième facteur d’authentification exigible pour les instructions sensibles et notamment lors de chaque : - Accès Ubank - Modification du mot de passe Ubank - Ajout ou modification d’un bénéficiaire au niveau de Ubank - Validation de tous les types de virements initiés via Ubank. Pour pouvoir vous connecter et confirmer vos instructions en toute sécurité sur Ubank, téléchargez sans plus tarder UBCI Secure.

Screenshots

Flouci4 screens
UBCI Secure4 screens

Verdict

The call

The clearest difference is ads: UBCI Secure at none against Flouci's shown. UBCI Secure also leads on iOS requirement (12.0 vs 15.1). Flouci's advantage is update cadence (fortnightly vs every 10 months). On price, in-app purchases and device support 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.

UpkeepUpdate frequency

Flouci ships an update fortnightly, UBCI Secure every 10 months. The most recent releases landed on November 13, 2026 and November 7, 2026 respectively.

Scorecard3 real differences · 7 level
Flouci versus UBCI Secure: the parameters behind the verdict, then further details
ParameterFlouciUBCI Secure
PriceFreeFree
Rating4.6 (164 ratings) — better—
Positive reviews52.8% of reviews—
Number of ratings164 — better—
Update frequencyFortnightly — betterEvery 10 months
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchases—
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.112.0 — better
Further details — not scored
Size132 MB74 MB
Age rating4+4+
DeveloperKaounUNION BANCAIRE POUR LE COMMERCE ET L'INDUSTRIE

Bugs and requests

Flouci

Reported bugs

10 issues
  • Cannot reload account with bank card
  • German phone number not accepted during registration (field limited to 8 digits)
  • Tunisian phone number validation incorrect for users in Germany (field limited to 8 digits)
  • French phone number input field limited to 8 characters
  • Withdrawal issues: money debited but not received
Show 5 more
  • Account creation requires email with name and surname, considered an invasion of privacy
  • Verification code via SMS is marked as incorrect
  • Card withdrawal without a card at ATM not working
  • Virtual card request pending for weeks
  • App not working correctly on iPhone (iOS 14)

Requested features

6 requests
  • Allow linking more accounts to wallet
  • Support for foreign phone numbers during registration
  • Improve international phone number field validation
  • Enable account opening for Tunisians living abroad
  • Allow opening accounts in USD from overseas
Show 1 more
  • Fix app compatibility with iOS 14

UBCI Secure

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Flouci

No in-app purchases

None

UBCI Secure

No in-app purchases

Questions

Is Flouci free?
Flouci is free to download, with no in-app purchases.
Is UBCI Secure free?
UBCI Secure is free to download, with no in-app purchases.
Do Flouci or UBCI Secure have ads?
Flouci shows ads; UBCI Secure does not.
Which is updated more often, Flouci or UBCI Secure?
Flouci ships an update fortnightly, and UBCI Secure every 10 months. Most recently, Flouci was updated on November 13, 2026 and UBCI Secure on November 7, 2026.

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