# uabpay vs Panda Money

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.

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.

## The numbers

| Metric | uabpay | Panda Money |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.7 (166 ratings)](https://appshunter.io/ios/app/uabpay/id1496595220/reviews) | **[5.0 (4 ratings)](https://appshunter.io/ios/app/panda-money/id1629306657/reviews)** |
| Number of ratings | **166** | 4 |
| Positive reviews | 45.9% of reviews | **100.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | Fortnightly | **Every 5 days** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 122 MB | 96 MB |
| Requires iOS | **15.0** | 16.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [UAB Bank Limited](https://appshunter.io/developer/1406305742) | [Alto Tun Chit Oo](https://appshunter.io/developer/1622209154) |

## What reviewers say

### uabpay

[App page](https://appshunter.io/ios/app/uabpay/id1496595220)

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.

**Highlights:** Fund Transfer, Cash-in/Cash-out, Bills Payment, Scan and Pay, Mobile Top-up, Card related services

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 User friendly interface
- 🚀 Fast transfers to other banks
- 👍 Easy bill payments
- 👍 Convenient for financial management
- 👍 Good UI design

**What reviewers complain about**

- 🐛 Biometric login not working
- 🐛 App crashes or closes unexpectedly
- 🐛 Login issues and connection timeouts
- 🐛 UI design is poor
- 🐛 Transferring money takes too long

**Reported bugs**

- 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

**Requested features**

- 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

[App page](https://appshunter.io/ios/app/panda-money/id1629306657)

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.

**Highlights:** AI receipt scanning, Bill splitting with friends, Customizable spending limits, Multiple wallet support, Offline AI capabilities, Bill reminders, Customizable themes

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

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Snack Pack | $0.99 | one-time |
| Handful | $1.99 | one-time |
| Best Value | $4.99 | one-time |
| Big Bundle | $9.99 | one-time |
| Bamboo Grove | $19.99 | one-time |


## Frequently asked questions

### Is uabpay free?

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

### Is Panda Money free?

Panda Money is free to download, with in-app purchases available.

### Which has better reviews, uabpay or Panda Money?

Panda Money is rated higher. uabpay averages 3.7 out of 5 from 166 ratings, while Panda Money averages 5.0 from 4 ratings.

### Do uabpay or Panda Money have ads?

Panda Money shows ads; uabpay does not.

### Which is updated more often, uabpay or Panda Money?

uabpay ships an update fortnightly, and Panda Money every 5 days. Most recently, uabpay was updated on October 29, 2026 and Panda Money on October 30, 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.*