# Empay UAE vs Folio

The clearest difference is update cadence: Folio at every 2 weeks against Empay UAE's every 2 months. On price, ads, in-app purchases and device support there is nothing between them.

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

Empay UAE ships an update every 2 months, Folio every 2 weeks. The most recent releases landed on October 14, 2026 and October 4, 2026 respectively.

## The numbers

| Metric | Empay UAE | Folio |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.3 (11 ratings)](https://appshunter.io/ios/app/empay-uae/id1496098470/reviews)** | — |
| Number of ratings | **11** | — |
| Positive reviews | 41.8% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 2 weeks** |
| Monetization | Free | — |
| Size | 78 MB | 85 MB |
| Requires iOS | **15.1** | 15.2 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [The Emirates Payment Services LLC](https://appshunter.io/developer/1493778698) | [Cognitiv Limited](https://appshunter.io/developer/1578748576) |

## What reviewers say

### Empay UAE

[App page](https://appshunter.io/ios/app/empay-uae/id1496098470)

This app simplifies payments and essential services in the UAE. Manage bills, transfer money internationally, and top up prepaid accounts securely and easily. It offers a personalized experience with quick access to frequently used services and a digital prepaid card.

**Highlights:** Seamless payments and essential services, International money transfers, Bill and utility payments, Prepaid account top-ups, Digital prepaid card, UAE PASS integration for easy signup

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### Folio

[App page](https://appshunter.io/ios/app/folio/id1597199011)

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is Empay UAE free?

Empay UAE is free to download, with no in-app purchases.

### Is Folio free?

Folio is free to download, with no in-app purchases.

### Do Empay UAE or Folio have ads?

Neither Empay UAE nor Folio shows ads.

### Which is updated more often, Empay UAE or Folio?

Empay UAE ships an update every 2 months, and Folio every 2 weeks. Most recently, Empay UAE was updated on October 14, 2026 and Folio on October 4, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*