uabpay vs Panda Money
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
uabpay
This digital payment app simplifies everyday financial tasks. It allows users to easily transfer funds, pay bills, shop online, and manage card services directly from their smartphone. Experience a convenient way to handle your finances with advanced technology.
- Fund Transfer
- Cash-in/Cash-out
- Bills Payment
- Scan and Pay
- Mobile Top-up
- Card related services
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This application is brought to you by uab Bank for the purpose of making everyday lives of customers easier and more comfortable by the usage of digital payment ecosystem. With the advanced technology, uab Bank offers magnificent experience of using digital payment platform, a customer can easily pay/transfer/receive or shop anything just by having a smart phone. uabpay is available on any of the mobile devices and here are some of the features that a customer can use on this digital platform - Fund Transfer - Cash-in/Cash-out - Bills Payment - Scan and Pay - Mobile Top-up - Online Shopping - Card related services - Payment History
Panda Money
Effortlessly track your finances, split bills with friends, and set spending limits. This app uses AI to log expenses from receipts and offers customizable themes and privacy controls.
- AI receipt scanning
- Bill splitting with friends
- Customizable spending limits
- Multiple wallet support
- Offline AI capabilities
- Bill reminders
- Customizable themes
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Panda Money is a calm, friendly money tracker that does the boring parts for you. Snap a receipt, split a bill with friends, set spending limits and see exactly where your money goes, all in one place. RECORD MONEY IN SECONDS • Log an expense, income, refund or transfer from a simple keypad. • Keep cash, bank accounts, cards and savings as separate wallets, in any currency. • Search, filter, edit, duplicate or void any entry. Your history stays tidy and honest. PANDA AI DOES THE TYPING • Snap a receipt and Panda AI fills in the amount, category and every item, ready to review. • Type or say it: "lunch 12 dollars cash" becomes a transaction. • Import a bank statement PDF and review it before anything is saved. • Prefer to stay offline? Download on-device AI to read typed and spoken entries for free, right on your phone. SPLIT BILLS WITHOUT THE AWKWARD MATHS • Assign each item to the people who had it. Tax, service charge and discounts are shared out fairly. • Send a link: friends see what they owe without installing anything and tap "I've paid". • In Thailand, friends can pay by PromptPay QR with their amount already filled in. • A friend paid? Record what you owe them and mark it paid back when you settle up. • See who owes you at a glance and settle each share as the money comes in. STAY IN CONTROL • Spending limits for any category or wallet, with alerts before you go over. • Bill reminders that tell you when something is due, and record the payment in one tap. • Statistics: cash flow, categories, your weekday spending rhythm and biggest expenses. • Export a PDF statement for any period. • Panda Health: a monthly score with friendly tips to build better habits. MAKE IT YOURS • Quick actions on Home for the things you do most. • Beautiful themes, from calm Panda to Panda Night, Coffee House, Terminal Panda and more. • Choose your font, avatar and default currency. • Protect the app with a PIN and Face ID / Touch ID. BAMBOO REWARDS Earn bamboo by logging money every day, keeping your streak and watching optional short videos. Spend it on Panda AI, extra wallets and limits, themes and fonts. You can also buy bamboo packs. PRIVATE BY DESIGN Your data is yours. Panda AI results are always shown for review before anything is saved, connected AI assistants get read-only access you can revoke at any time, and you can delete your account whenever you like. Panda Money is free to download. Some features use bamboo, which you can earn in the app or buy. Privacy policy: https://panda.altotunchitoo.me/privacy Terms: https://panda.altotunchitoo.me/terms
Screenshots
Verdict
The clearest difference is review sentiment: Panda Money at 100% against uabpay's 46%. Panda Money also leads on rating (5.0 vs 3.7) and update cadence (every 5 days vs fortnightly). uabpay's advantage is in-app purchases (none vs 5) and ads (none vs shown). On price, device support and iOS requirement 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. Panda Money sells 5 one-off in-app purchases. uabpay asks for nothing beyond the download.
Panda Money holds the better App Store score, 5.0 against 3.7. That said, the two scores are not equally well evidenced: uabpay has 166 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 46% of uabpay's written reviews are positive against 100% of Panda Money's.
uabpay ships an update fortnightly, Panda Money every 5 days. The most recent releases landed on October 29, 2026 and October 30, 2026 respectively.
| Parameter | uabpay | Panda Money |
|---|---|---|
| Price | Free | Free |
| Rating | 3.7 (166 ratings) | 5.0 (4 ratings) — better |
| Positive reviews | 45.9% of reviews | 100.0% of reviews — better |
| Number of ratings | 166 — better | 4 |
| Update frequency | Fortnightly | Every 5 days — better |
| Ads | No — better | Yes |
| In-app purchases | No — better | Yes |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPod | iPhone, iPad |
| Requires iOS | 15.0 — better | 16.0 |
| Further details — not scored | ||
| Size | 122 MB | 96 MB |
| Age rating | 4+ | 4+ |
| Developer | UAB Bank Limited | Alto Tun Chit Oo |
Customer experience
uabpay
Panda Money
Bugs and requests
uabpay
Reported bugs
8 issues- Biometric login system not working (versions 3.2.4, 3.2.0)
- Error 404 when resetting password
- App closes immediately on iPhone 6 Plus
- Blank page when entering profile management
- Transfers from UAB bank account to UAB pay take a lot of time and sometimes lost
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- Cannot type NRC No. when enabling mobile banking (version 2.1.0)
- Connection timeout while trying to login
- Facing bugs and errors monthly, even after updates
Requested features
4 requests- Add top-up features for prepaid cards
- Improve UAB mobile banking app
- Allow points to be changeable with rewards
- Add more wallets for wallet-to-wallet transfer
Panda Money
Not enough reviews yet to summarise bugs or requests.
In-app purchases
uabpay
No in-app purchases
Panda Money
- Snack Pack$0.99
- Handful$1.99
- Best Value$4.99
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- Big Bundle$9.99
- Bamboo Grove$19.99









