AziPay vs AurumPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
AziPay
This mobile wallet allows users to manage their finances conveniently and securely. It facilitates money transfers, merchant payments, bill payments, and ATM cash withdrawals directly from a smartphone.
- Money transfers to other wallet users
- Load money from bank accounts
- Merchant payments via scan and pay
- ATM cash out without a card
- Bank account inquiries and statements
- Bill payments
- Prepaid mobile recharge
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Azizi Bank continues to redefine the way banking is done in Afghanistan. With strong technology-driven solutions Bank is continuously bringing the new services which ride on the mantra of convenience and security. Azizi Bank is proud to launch the first mobile-based wallet solution in the country with a brand name AZI-PAY. AZIPAY is AZIZI Bank's mobile wallet on your smartphone. It is a prepaid wallet which can be used to transfer money to other wallet users, load money from bank accounts, make merchant payments, Cash Out from ATMs, make your bank Account Inquiries, make bill payments, and request money anytime, anywhere. Features Available : Add Money through Debit Card/Branch channel View Your Bank Account Balance/Statement ATM Cash Out Send Money Scan and Pay – Merchant Payments Prepaid Mobile Recharge Pay Your Bills Requests Money Open Account Request E KYC Registration: You can sign up/register with (Mobile Number (mandatory), email ID (optional) & MPIN). Download and install the AZIPAY wallet on your smartphone. To sign up, you need to do the following - a) You will have to enter mobile number (mandatory) b) You will have to enter OTP sent on Mobile and set MPIN. If OTP is not received by you, then use the 'Resend OTP' link to resend the OTP to your mobile number c) You have to enter Your Name and Date of Birth and Email ID. d) Then, you have to select a security Question from the dropdown and type your answer as prompted & submit the request. e) Upon successful registration, you will be registered for AZIPAY Mobile Wallet. A success message will be sent on your mobile. You can even withdraw cash from ATM using your Azipay wallet. No card required for ATM withdrawal now. You can even send money to the mobile number of the beneficiary and he can withdraw that amount from the ATM. Azi-Pay brings a plethora of services on your Mobile Phone.
AurumPay
Manage your money securely and conveniently with this digital financial app. Send and receive funds instantly, pay bills, top up mobile credit, and connect with local banks for seamless transactions. It's a regulated platform designed for everyday financial needs.
- Instant money transfers
- Bill payments
- Mobile top-ups
- Bank account connections
- Merchant payments
- Utility and government payments
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AurumPay is Afghanistan’s secure, modern, and fast digital financial app that empowers everyone to manage money simply from their phone. Built by Aurum Afghanistan Financial Company, a licensed electronic money institution regulated by the Central Bank of Afghanistan, AurumPay brings essential financial services into one app for everyday use. What You Can Do with AurumPay - Send & receive money instantly between mobile wallets - Pay bills (utilities, services, and more) with ease - Mobile top-ups for all networks - Connect to Afghan banks for transfers between bank accounts and wallets - Merchant payments and easy checkout - Utility and government payments in one place Why Choose AurumPay? AurumPay is designed to be secure, simple, and professional: - Licensed and regulated by the Central Bank of Afghanistan for trust and safety - Built with strong risk management and consumer protection standards - Fast transactions with zero fees - Works nationwide with support from local banks and financial partners Built for Afghanistan AurumPay connects with local banks and services to make digital finance accessible for all individual users across the country. Whether you’re paying bills, sending money to family, or topping up your phone, it’s all done in one secure app. Safe & Compliant We follow international best practices and local regulatory standards to keep your data and money safe. Your transactions are protected with advanced security and responsible risk controls. Download AurumPay now and take control of your finances — secure, connected, and right on your phone.
Screenshots
Verdict
The clearest difference is rating: AurumPay at 4.6 against AziPay's 3.9. AurumPay also leads on update cadence (every 3 weeks vs every 2 months). AziPay's advantage is ratings volume (144 vs 5) and iOS requirement (11.0 vs 13.0). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
AurumPay holds the better App Store score, 4.6 against 3.9. That said, the two scores are not equally well evidenced: AziPay has 144 ratings behind it against 5, so its average is the more settled of the two.
AziPay ships an update every 2 months, AurumPay every 3 weeks. The most recent releases landed on September 28, 2026 and September 9, 2026 respectively.
| Parameter | AziPay | AurumPay |
|---|---|---|
| Price | Free | Free |
| Rating | 3.9 (144 ratings) | 4.6 (5 ratings) — better |
| Positive reviews | 28.2% of reviews | — |
| Number of ratings | 144 — better | 5 |
| Update frequency | Every 2 months | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 11.0 — better | 13.0 |
| Further details — not scored | ||
| Size | 73 MB | 33 MB |
| Age rating | 4+ | 4+ |
| Developer | Azizi Bank | Aurum Afghanistan Mobile Money Services |
Customer experience
AziPay
AurumPay
Bugs and requests
AziPay
Reported bugs
54 issues- Add card issue
- The latest version of the app has bugs
- It james while clicking on topup mobile icon
- It has stock glitche and doesn’t work
- New update
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- From my experience, the app is full of bugs and constantly crashes. The features rarely work properly, and recent updates haven’t fixed anything.
- It’s been a frustrating experience overall.
- دا فروګرام له هر ځلي افډیټ څخه ستړي
- هیله کوم یو ځلی ټول تغیرات پکي راولي هرځلي چي خلاص کو افډيټ غواړي, دا څه ریشخند ده تاسو ورشئ یو بل فروګرام وچلوی هغه هم داسي کوي نادیده خلکو یوڅه وویني.
- This version is not working in IPhone very well.
- Issue in creating user account in IOS
- First it was not working and later while it somehow worked, the OTP was not sent to my phone.
- If it was sent it was very late for the application to accept OTP.
- bad quality
- this version that recently come is not workkng good and its very weak !!!
- My Azipay account is blocked
- However I went to Azizi bank to unlock my account.
- Agent told me that he reported the issue but in reply the say the email does not match.
- Unfortunately I don’t remember which email I have used in Azipay.
- I am stuck 😏😏
- Phone recharge is not working
- The only thing which was working in this app was phone recharge, now that also not working.
- Only when you touch the phone recharge option, the app hangs and stops working.
- Worst Banking app ever after update
- Your app does not load for 10 mins .. fix it .. you are good keeping the money and have profit on our money building towers but you couldn’t make a simple app ..
- Worst app ever
- Did you guys even paid the developer for such an app?
- Can’t believe a big bank like this have this kind of buggy app.
- Useless
- In previous government it was a good app but now it is totally useless infact I strongly suggest everyone to not spend your mbs and time for downloading this app because the only service which this app was providing sending mobile credit card which has been stop since last week.
- I am very upset from this bank and their poor services 😡😡😡
- Failed Response
- Phone Recharge option is not working on IOS.
- It is responding with a failed message.
- The electricity bill payment is suspended, hope this issue will be solved soon!
- It seriously needs an update.
- It doesn’t work correctly on iOS 15.
- Doesn’t work probably
- The app has many problems.
- It’s very slow and doesn’t work most of the time.
- Please invest in this app and develop it by some professional app developers.
- Buq in ios 14
- After update ios 14 azi pay apps not work
- After update still not loading..
- It wouldn’t add a Credit Card, in yesterday’s it might have been fixed but now it’s not loading anything..
- Error
- When i enter my phone number, an error pops up and says validation failed
- Not working in IOS 14 iphone X
- The pervious version used to work very well but this version keeps crashing.
- Fix it please
- Azi-Pay is not working
- This version of AziPay pay app is not working all the options are out of order please fix
- It's not functional on 11 pro
- The new version doesnt work on 11 pro don't know what's the prob
Requested features
4 requests- Add card issue
- Please update it
- Please revise it
- Please add option for transferring AZI Pay balance to Azizi bank account.
AurumPay
Not enough reviews yet to summarise bugs or requests.
In-app purchases
AziPay
No in-app purchases
AurumPay
No in-app purchases









