# uwallet.jo vs Reflect

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.

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.

## The numbers

| Metric | uwallet.jo | Reflect |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.3 (87 ratings)](https://appshunter.io/ios/app/uwalletjo/id1517825593/reviews) | **[3.5 (307 ratings)](https://appshunter.io/ios/app/reflect-banking-made-personal/id1585813708/reviews)** |
| Number of ratings | 87 | **307** |
| Positive reviews | **33.3% of reviews** | 21.1% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | Monthly |
| Monetization | Free | Free |
| Size | 263 MB | 532 MB |
| Requires iOS | 18.0 | **16.0** |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 17+ | 4+ |
| Developer | [Umniah Mobile Company](https://appshunter.io/developer/980297427) | [Arab Bank PLC](https://appshunter.io/developer/766458474) |

## What reviewers say

### uwallet.jo

[App page](https://appshunter.io/ios/app/uwalletjo/id1517825593)

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.

**Highlights:** 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

**Features:** macOS Compatibility

**In-app purchases:** none


### Reflect

[App page](https://appshunter.io/ios/app/reflect-banking-made-personal/id1585813708)

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.

**Highlights:** 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

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

**In-app purchases:** none


## Frequently asked questions

### Is uwallet.jo free?

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

### Is Reflect free?

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

### Which has better reviews, uwallet.jo or Reflect?

Reflect is rated higher. uwallet.jo averages 3.3 out of 5 from 87 ratings, while Reflect averages 3.5 from 307 ratings.

### Do uwallet.jo or Reflect have ads?

Neither uwallet.jo nor Reflect shows ads.

### Which is updated more often, uwallet.jo or Reflect?

uwallet.jo ships an update monthly, and Reflect monthly. Most recently, uwallet.jo was updated on September 21, 2026 and Reflect on September 21, 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.*