EI + vs UCB M
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
EI +
This mobile banking application offers advanced technology and an improved user experience for both new and existing clients. It provides a streamlined way to manage your finances on the go.
- Advanced technology integration
- Enhanced user experience
- Manage finances on the go
- For existing and new clients
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Emirates Islamic's newest mobile banking offering brings the latest in technology, and enhanced user experience to our existing and new clients.
UCB M
Access your accounts, cards, and bank information conveniently on your mobile device. This user-friendly tool offers the same functionalities as web banking, designed for easy navigation on smartphones and tablets. It supports both retail and corporate accounts for authorized users.
- Account access
- Card management
- Bank information
- Retail and corporate accounts
- Web banking synchronization
- Mobile token for OTP
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Mobile banking, as part of digital banking, is widely used and dominant electronic banking platform. It is a user-friendly tool for clients which enables them access to their accounts, cards, as well as other information shared by Universal Capital Bank. M-banking app is well-designed to support both retail and corporate accounts, especially for Authorized users, who can have access to both private and corporate accounts at one place. M-banking is complementary to Web banking platform, offering our clients same functionalities available on Web, with sophisticated design and convenient form made for mobile devices. Activation of M-Bank application requires assigned username and password/mobile token for generating OTP, after which the user receives SMS with one-time activation code.
Screenshots
Verdict
The clearest difference is rating: EI + at 4.7 against UCB M's 3.0. EI + also leads on update cadence (every 10 days vs every 6 months) and ratings volume (4.7K vs 2). UCB M's advantage is monetization model (free vs ad-supported) and iOS requirement (14.0 vs 16.0). On price, ads, in-app purchases and device support 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.
EI + holds the better App Store score, 4.7 against 3.0. That said, the two scores are not equally well evidenced: EI + has 4.7K ratings behind it against 2, so its average is the more settled of the two.
EI + ships an update every 10 days, UCB M every 6 months. The most recent releases landed on November 7, 2026 and November 3, 2026 respectively.
| Parameter | EI + | UCB M |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (4.7K ratings) — better | 3.0 (2 ratings) |
| Positive reviews | 55.7% of reviews | — |
| Number of ratings | 4.7K — better | 2 |
| Update frequency | Every 10 days — better | Every 6 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Devices | iPhone | iPhone, iPod — better |
| Requires iOS | 16.0 | 14.0 — better |
| Further details — not scored | ||
| Size | 690 MB | 27 MB |
| Age rating | 4+ | 4+ |
| Developer | Emirates Islamic Bank P.J.S.C | Universal Capital Bank AD |
Customer experience
EI +
UCB M
Bugs and requests
EI +
Reported bugs
5 issues- Credit card balance and transactions not updating
- Can't access credit card details
- Lost all beneficiary accounts and historical data
- Unable to transfer money, international transfers not working
- Forced to re-enter all account details and beneficiaries
Requested features
5 requests- Increase credit card limit
- Provide a link to relationship manager
- Add more communication options
- Improve customer service and response time
- Restore old app features and functionality
UCB M
Not enough reviews yet to summarise bugs or requests.
In-app purchases
EI +
No in-app purchases
UCB M
No in-app purchases
