Comparison

uabpay vs ZGM

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

Head to head
About

uabpay

This digital payment app simplifies everyday transactions for bank customers. Easily transfer funds, pay bills, shop online, and manage cards using just your smartphone.

Highlights
  • Fund Transfer
  • Cash-in/Cash-out
  • Bills Payment
  • Scan and Pay
  • Mobile Top-up
  • Online Shopping
  • Card Services
Features
Read full description

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

About

ZGM

This app provides daily updates on market prices in Myanmar, including gold rates, currency exchange rates for major currencies, and fuel prices. Users can also view simple charts to track market trends.

Highlights
  • Daily gold rates
  • Exchange rates for USD, THB, SGD
  • Daily fuel prices
  • Market trend charts
  • Informational reference
Features
Read full description

ZGM: Daily Market Prices Stay updated with daily market trends in Myanmar. Zay Gwat offers a simple way to view current gold prices, exchange rates, fuel rates and currency conversions in a single interface. App Features: - Gold Rates: View daily local gold prices. - Exchange Rates: Monitor currency rates for USD, THB, SGD, and more. - Fuel Prices: Access daily rate updates for various fuel types. - Market Trends: Review price movements with simple charts. - Currency Calculator: Convert currencies easily with quick on-the-fly calculations. - Real-time Price Alerts: Get instant push notifications whenever market rates change so you never miss a shift in gold, fuel, or exchange rates. - AI Market Assistant: Ask questions, get instant updates, and receive quick summaries about Myanmar’s daily market trends in natural language. Disclaimer: This app is provided for informational and reference purposes only. All data is intended for general awareness. We do not provide financial advice, trading services, or monetary exchanges. Rates are calculated based on local Myanmar market exchange rates and may vary from international banking rates or other rate-comparison services.

Screenshots

uabpay4 screens
ZGM4 screens

Verdict

The call

The clearest difference is rating: ZGM at 5.0 against uabpay's 3.7. uabpay's advantage is ratings volume (164 vs 2) and update cadence (fortnightly vs monthly). On price, ads, in-app purchases and monetization model 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.

ReceptionRating · Positive reviews · Number of ratings

ZGM holds the better App Store score, 5.0 against 3.7. That said, the two scores are not equally well evidenced: uabpay has 164 ratings behind it against 2, so its average is the more settled of the two.

UpkeepUpdate frequency

uabpay ships an update fortnightly, ZGM monthly. The most recent releases landed on October 25, 2026 and October 22, 2026 respectively.

Scorecard3 real differences · 7 level
uabpay versus ZGM: the parameters behind the verdict, then further details
ParameteruabpayZGM
PriceFreeFree
Rating3.7 (164 ratings)5.0 (2 ratings) — better
Positive reviews44.4% of reviews—
Number of ratings164 — better2
Update frequencyFortnightly — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.015.0
Further details — not scored
Size122 MB35 MB
Age rating4+4+
DeveloperUAB Bank LimitedSOLARATEK COMPANY LIMITED

Customer experience

uabpay

All ratings164 ratings
Positive66.5%
Neutral4.9%
Negative28.7%
Written reviews36 reviews
Positive44.4%
Neutral5.6%
Negative50.0%

ZGM

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

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
Show 3 more
  • 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

ZGM

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

uabpay

No in-app purchases

None

ZGM

No in-app purchases

Questions

Is uabpay free?
uabpay is free to download, with no in-app purchases.
Is ZGM free?
ZGM is free to download, with no in-app purchases.
Which has better reviews, uabpay or ZGM?
ZGM is rated higher. uabpay averages 3.7 out of 5 from 164 ratings, while ZGM averages 5.0 from 2 ratings.
Do uabpay or ZGM have ads?
Neither uabpay nor ZGM shows ads.
Which is updated more often, uabpay or ZGM?
uabpay ships an update fortnightly, and ZGM monthly. Most recently, uabpay was updated on October 25, 2026 and ZGM on October 22, 2026.

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