Comparison

Tabby vs urpay

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

Head to head
About

Tabby

Shop now and pay later with flexible four-month installments. Discover top brands, compare prices, and find nearby stores. Manage payments, track purchases, and get 24/7 customer support.

Highlights
  • Split purchases into 4 monthly payments
  • Shop from top brands online and in-store
  • Compare prices and track deals
  • Find nearby stores accepting Tabby
  • Manage payments and track purchases
  • 24/7 customer support via chat
Features
Read full description

Tabby is the complete money app where you can send, spend, save and boss money around. Earn on your daily spending, get more time to pay on big purchases, and find top deals on your favourite brands — all in one place. PAY ON YOUR OWN SCHEDULE - Split purchases into 4 interest-free payments - Pay in up to 12 months. Fees shown upfront. - Available at 65,000+ stores TAKE TABBY’S FLEXIBILITY ANYWHERE WITH TABBY CARD¹ - Get 5% cashback on chosen categories² - No down payments when you spend - Up to 40 days to pay - Payment plans up to 8 months Up to 3% CASHBACK WHEN YOU PAY IN FULL WITH TABBY CASH³ - Open a free account in minutes with no fees or minimums - Get up to 3% cashback in 3 categories each month with Cash Card⁴ - Send money to a UAE phone number or bank account for free - Transfer abroad to Philippines, India, Egypt, Pakistan and more soon without transfer fees TURN ON SAVINGS MODE WITH DEALS - Access exclusive offers and coupon codes - Compare prices of the same item across stores - Get price drops on your favourites FIND NEARBY STORES THAT ACCEPT TABBY Use our new in-store map to discover physical stores that accept Tabby. Try before you buy and still pay later. Search by brand, category or location and shop confidently, knowing Tabby is accepted there. KEEP TABS ON YOUR MONEY Manage your payments, cards, track purchases, receive reminders, set up auto-payments or choose to pay when you want to from the app. PROTECT YOUR PURCHASE WITH BUYER PROTECTION Buyer Protection adds peace of mind to your shopping. It protects your purchases, covers you against issues, and puts returns on easy mode online and in-store. 24/7 CUSTOMER SERVICE Use our chat in the Tabby app for round-the-clock service. — ¹ Tabby Card is available to UAE residents only. Tabby Card can only be used in the UAE, and cannot be used for international transactions. ² Cashback rates and categories are subject to change ³ Tabby Cash is available in the to UAE residents only ⁴ Cashback rates and categories are subject to change — In Saudi Arabia, Tabby Financing Company JSC is subject to the control and supervision of the Saudi Central Bank. Call us on 800 111 0999. In the UAE, Tabby Card and Pay Later (Short Term Credit) is provided by Tabby LLC and Tabby Cash services are provided by Tabby Payments LLC, which is licensed by the Central Bank of the UAE. Terms and conditions apply. For more information or to contact us, visit tabby.ai.

About

urpay

A smart digital wallet for managing finances. Easily top up, send money globally, pay bills, and issue cards. Offers features like payment splitting, family wallets, and instant finance.

Highlights
  • Digital wallet
  • Global money transfer
  • Bill payments
  • Virtual and physical cards
  • Mobile top-ups
  • Payment splitting
  • Family wallet
Features
Read full description

Manage all your finances in one app. urpay is your smart digital wallet designed to make everyday financial tasks faster, easier, and more rewarding. What you can do with urpay: Create your account in a minute and start managing your money securely. Top up your wallet via bank cards, Apple Pay, bank transfers, Mokafaa points or Samsung Pay. Send and receive money locally and internationally to over 140 countries through providers like MoneyGram, Tahweel Al Rajhi, Ria and more. Issue Mada & Visa cards for shopping, withdrawals, and premium benefits like cashback and airport lounge access. Pay bills easily through SADAD electricity, water, government services, and more. Recharge mobile lines or request an E-Sim card locally and internationally (STC, Mobily, Zain, Vodafone, Jazz, and others). Shop digital products & devices like gaming cards and smart watches from the built-in store. Split payments with Qatta, send money requests to collect your money from friends and families in a few taps. Pay your household salaries on time and with no hustle. Empower your family with the Family Wallet, give your kids their own wallet and monitor spending. Get instant finance through Emkan with no salary transfer required. Download urpay now and take control of your financial life. Need help? Contact us at 8001000081

Screenshots

Tabby4 screens
urpay4 screens

Verdict

The call

Tabby and urpay both sit at 4.8 stars, but that hides the real split: 66% of Tabby's written reviews are positive against 26% of urpay's. Tabby also leads on monetization model (free vs free with in-app purchases) and ratings volume (85K vs 12K). urpay's advantage is iOS requirement (14.0 vs 16.0). On price, rating, update cadence and ads 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

On the App Store both sit at effectively the same score — 4.8 for Tabby against 4.6 for urpay. That said, the two scores are not equally well evidenced: Tabby has 85K ratings behind it against 12K, so its average is the more settled of the two. Written reviews are what separate them: 66% of Tabby's written reviews are positive against 26% of urpay's.

UpkeepUpdate frequency

Tabby ships an update every 5 days, urpay every 9 days. Both last shipped on October 21, 2026.

Scorecard4 real differences · 6 level
Tabby versus urpay: the parameters behind the verdict, then further details
ParameterTabbyurpay
PriceFreeFree
Rating4.8 (85K ratings) — better4.6 (12K ratings)
Positive reviews66.4% of reviews — better26.2% of reviews
Number of ratings85K — better12K
Update frequencyEvery 5 days — betterEvery 9 days
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhoneiPhone, iPod — better
Requires iOS16.014.0 — better
Further details — not scored
Size394 MB194 MB
Age rating4+4+
DeveloperTabby FZ LLCNeoleap

Customer experience

Tabby

All ratings85,146 ratings
Positive94.2%
Neutral2.3%
Negative3.5%
Written reviews717 reviews
Positive66.4%
Neutral2.8%
Negative30.8%

urpay

All ratings11,563 ratings
Positive91.0%
Neutral2.0%
Negative7.0%
Written reviews164 reviews
Positive26.2%
Neutral4.9%
Negative68.9%

User reviews

Tabby

From 85K App Store ratings

What we love

  • 💡 Convenient installment payments
  • 👍 Easy to use app
  • 🚀 Smooth and efficient service
  • 🤑 Helps manage budget and afford purchases

Room to improve

  • 🐛 Unclear purchasing power and lack of transparency
  • 🤷‍♀️ Uninformed and unhelpful customer support
  • 🚫 Risk of permanent ban for failed purchases
  • 🤬 Inaccurate payment charges and unprofessional customer service
  • 🙅‍♀️ Unauthorized notifications and spam

urpay

From 12K App Store ratings

What we love

  • 💙 Best Digital Wallet
  • 👍 Easy to use, fast and good
  • 🚀 Fast and reliable even outside the kingdom
  • 💰 Great deals and user-friendly

Room to improve

  • 🐛 Network issues, app not working
  • 💰 High fees for transfers and transactions
  • 🔒 Requires location access
  • 🤔 Sudden changes to limits and features
  • 🤯 Terrible customer service and unresponsive

Bugs and requests

Tabby

Reported bugs

3 issues
  • Repeated purchase rejections without clear reason
  • Incorrect payment schedules and charges
  • Inability to cancel or refund orders

Requested features

5 requests
  • More transparency on purchasing power and policies
  • Improved customer support and communication
  • Better purchase approval and rejection explanations
  • Option to disable marketing notifications
  • Expansion to more regions and countries

urpay

Reported bugs

4 issues
  • Login/signup issues
  • Freezing, crashing, and performance problems
  • International transfers not working
  • Deduction of funds without reason

Requested features

6 requests
  • Add monthly spending reports
  • Allow multiple wallets
  • Support Mada cards
  • Restore previous cashback rates
  • Increase transfer limits
Show 1 more
  • Allow more users to manage family wallet

In-app purchases

None

Tabby

No in-app purchases

None

urpay

No in-app purchases

Questions

Is Tabby free?
Tabby is free to download, with no in-app purchases.
Is urpay free?
urpay is free to download, with no in-app purchases.
Which has better reviews, Tabby or urpay?
Tabby is rated higher. Tabby averages 4.8 out of 5 from 85K ratings, while urpay averages 4.6 from 12K ratings.
Do Tabby or urpay have ads?
Neither Tabby nor urpay shows ads.
Which is updated more often, Tabby or urpay?
Tabby ships an update every 5 days, and urpay every 9 days. Most recently, Tabby was updated on October 21, 2026 and urpay on October 21, 2026.

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