uwallet.jo vs Reflect
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
uwallet.jo
This mobile wallet app offers a comprehensive suite of digital financial services. It allows for secure payments, money transfers, bill payments, and easy access to nearby agents and ATMs. Users can manage their accounts and transactions with customizable statements and in-app notifications.
- Biometric login and payment execution
- Person-to-person and merchant money transfers
- Umniah SMART top-up and bill payments
- eFawateerCom service integration
- Cashout at agents and cardless ATM withdrawals
- Bank account integration for cash-in
- Locator for agents, ATMs, and merchants
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uwallet is your all-in-one digital wallet to send money, pay bills, and shop internationally with the lowest fees in the market. Issue a virtual card in seconds and start paying online instantly. With a fresh new design and enhanced user experience, uwallet makes managing your money faster, simpler, and more secure anytime, anywhere. Why choose uwallet? • Lowest international fees in the market • Issue a virtual card instantly and start using it right away • Fast, secure payments with advanced verification • Instant transfers to individuals, merchants, and businesses • Seamless experience with a modern, easy-to-use design Everything you need in one app • Send and receive money instantly (P2P transfers) • Pay bills easily with eFawateerCom integration • Shop online and in-store with physical & virtual cards • Pay contactlessly with Google Pay • Cash in/out and withdraw from ATMs without a card • Find agents, ATMs, and merchants easily More ways to benefit • E-vouchers at competitive prices • Insurance services directly in-app • Salary in advance and quick loan services • “Neqati” loyalty program (earn points and redeem for cash) Safe & trusted uwallet is regulated by the Central Bank of Jordan and supported by leading financial partners, ensuring your money is always secure. Get started Download uwallet today and explore the app as a guest or register in minutes to unlock all features. uwallet. Designed to make your life easier.
Reflect
Manage your finances and lifestyle needs with this comprehensive banking app. Send, spend, and save money, shop with a one-click checkout, and automate your savings goals. Earn rewards and prizes through various activities.
- Digital Wallet Account
- Personalized Marketplace
- Flexible Top-ups & Withdrawals
- Loyalty Points & Cash Rewards
- Instant Payments & Bill Pay
- Automated Saving Spaces
- Spin & Win Prizes
- Digital Account Opening
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Reflect is your place for all lifestyle and banking needs. It is your everyday app, where you can send, spend, and save money. Keep track of all aspects of your life with Reflect! What does reflect offer? 1- A digital Wallet Account: One place for spending, managing and saving money. 2- Marketplace: Personalized shopping with a one-click checkout experience. 3- Top-ups & withdrawals: Flexible funding options and cash withdrawal from any of Arab Bank's ATMs. 4- Loyalty: Redeem Points & Earn Cash from spins, transactions, and unlocking new features. 5- Payments: Payback a friend, pay your bills & request money within seconds. 6- Saving Spaces: Put your savings on auto-pilot to make all your goals a reality! 7- Spin & Win: Spin the wheel and win amazing valuable prizes frequently! 8- Onboarding: Open your wallet account digitally Just by using your phone number and selfie Arab Bank’s headquarters are located, in Amman, Jordan, at Shmeisani, Pr. Shaker St, Building 8.
Screenshots
Verdict
The clearest difference is rating: Reflect at 3.5 against uwallet.jo's 3.3. Reflect also leads on ratings volume (307 vs 87) and iOS requirement (16.0 vs 18.0). uwallet.jo's advantage is review sentiment (33% vs 21%). On price, update cadence, 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.
Reflect holds the better App Store score, 3.5 against 3.3. Both are backed by a comparable volume of ratings — 87 and 307 respectively. Written reviews complicate that: 33% of uwallet.jo's written reviews are positive against 21% of Reflect's, so the app with the better star average is not the one people write more warmly about.
Both ship on a similar rhythm, roughly monthly. Both last shipped on September 21, 2026.
| Parameter | uwallet.jo | Reflect |
|---|---|---|
| Price | Free | Free |
| Rating | 3.3 (87 ratings) | 3.5 (307 ratings) — better |
| Positive reviews | 33.3% of reviews — better | 21.1% of reviews |
| Number of ratings | 87 | 307 — better |
| Update frequency | Monthly | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone | iPhone, iPad — better |
| Requires iOS | 18.0 | 16.0 — better |
| Further details — not scored | ||
| Size | 263 MB | 532 MB |
| Age rating | 17+ | 4+ |
| Developer | Umniah Mobile Company | Arab Bank PLC |
Customer experience
uwallet.jo
Reflect
In-app purchases
uwallet.jo
No in-app purchases
Reflect
No in-app purchases
Questions
Is uwallet.jo free?
Is Reflect free?
Which has better reviews, uwallet.jo or Reflect?
Do uwallet.jo or Reflect have ads?
Which is updated more often, uwallet.jo or Reflect?
Other comparisons
