Empay UAE vs Deem
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Empay UAE
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.
- 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
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Empay: One app for all your payment Empay is your trusted digital companion for seamless payments and essential services across the UAE. Whether you are managing bills, transferring money internationally, or topping up your prepaid accounts, Empay brings it all together in one secure and easy-to-use app. It is designed to support how people in the UAE live, pay and manage their finances every day Get Started in Minutes Joining Empay is effortless. Use UAE PASS to sign up without entering any personal data. Your identity, mobile number, and email are verified instantly. No UAE PASS? No problem. You can start with just a UAE mobile number and email. Want to get a digital prepaid card? Simply verify your Emirates ID and your card will be ready to use in seconds. Pay with Confidence With PCI DSS Level 1 certification, Empay is built to meet the highest standards in payment security. Easily link your debit or credit cards and make payments within the app, knowing your transactions are fully protected. Smarter International Money Transfers Empay makes sending money abroad simple and reliable. With competitive exchange rates, transparent fees, and an interface designed for repeat use, you can send money to your loved ones in just a few taps. View live rates instantly, access frequently used recipients, and complete your transfer without needing to visit an exchange house. All Your Essential Payments, One App No more juggling different apps or visiting websites. Empay lets you manage a wide range of government and utility payments from your phone, anytime. Current services include: ● Telecom: Etisalat Postpaid, Etisalat Prepaid, Du Postpaid, Du Prepaid, Elife, Du Landline ● Utilities: DEWA, Etihad Water & Electricity, TAQA Al Ain, TAQA Abu Dhabi, Ajman Sewerage, Lootah BC Gas, Sergas ● Transportation: Nol, Salik, MAWAQIF PVT ● Government Services: DET (Dubai Economy and Tourism) New services are added regularly, so you’ll always find what you need in one place. Personalized and Evolving Experience Our redesigned home screen makes it easier than ever to reach your most-used services. Quick action cards, a cleaner layout, and smart suggestions based on your previous activities help you complete tasks faster. Whether it's repeating your monthly bill payment, sending another transfer, or topping up your mobile, Empay remembers what you need. Your Digital Prepaid Card, Ready Instantly Apply for your Empay digital prepaid card directly from the app and start using it for any in-app payment. Top it up using your bank account, debit or credit card, and make secure transactions across all supported services. Physical cards are coming soon. Stay in Control Track your past actions right from the main screen. Get clear summaries, see your latest transactions, and manage everything in one place. Empay is more than just a payment app. It’s your personal tool to manage daily life in the UAE with clarity, speed, and security. Download Empay now and experience the better way to pay. Need help or want to know more? Visit us at www.empay.ae Facebook: facebook.com/Empay.UAE Instagram: instagram.com/Empay.UAE Twitter: twitter.com/Empay_UAE Privacy Policy: empay.ae/privacy.html Support: support@empay.ae
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.
- Manage credit card and personal loans
- Apply for new credit cards
- Access benefits and rewards
- Receive customer support
- Secure financial data management
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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
Verdict
The clearest difference is rating: Empay UAE at 3.3 against Deem's 2.6. Empay UAE also leads on review sentiment (42% vs 13%). Deem's advantage is update cadence (every 3 weeks vs every 2 months). On price, ratings volume, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Empay UAE holds the better App Store score, 3.3 against 2.6. Both are backed by a comparable volume of ratings — 11 and 5 respectively. Written reviews point the same way: 42% of Empay UAE's written reviews are positive against 13% of Deem's.
Empay UAE ships an update every 2 months, Deem every 3 weeks. The most recent releases landed on October 14, 2026 and October 5, 2026 respectively.
| Parameter | Empay UAE | Deem |
|---|---|---|
| Price | Free | Free |
| Rating | 3.3 (11 ratings) — better | 2.6 (5 ratings) |
| Positive reviews | 41.8% of reviews — better | 13.3% of reviews |
| Number of ratings | 11 — better | 5 |
| Update frequency | Every 2 months | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 15.1 — better | 16.6 |
| Further details — not scored | ||
| Size | 78 MB | 62 MB |
| Age rating | 4+ | 17+ |
| Developer | The Emirates Payment Services LLC | Deem |
Customer experience
Empay UAE
Deem
Bugs and requests
Empay UAE
Not enough reviews yet to summarise bugs or requests.
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 moreShow fewer
- 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 moreShow fewer
- 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
Empay UAE
No in-app purchases
Deem
No in-app purchases









