UnelmaPay vs Punja Saving iSmart
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
UnelmaPay
This digital wallet facilitates secure and convenient online payments. It enables users to transfer funds between wallets, accept payments via major gateways, and manage utility bill payments. It's a comprehensive payment ecosystem for seamless transactions.
- Online payment processing
- Wallet-to-wallet fund transfers
- Accept payments via third-party gateways
- Utility bill payments
- Top-up services
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Unelma Pay is a digital wallet that lets you pay, send and receive money — a complete payment ecosystem for everyday payments. WITH UNELMA PAY YOU CAN • Send money abroad — global remittance to supported countries, including Africa and Asia • Send international mobile top-up and recharge to phones worldwide • Send and receive money instantly between Unelma Pay users • Top up mobile balance and buy NTC & Ncell data packages • Pay utility bills — electricity, water, internet, TV, insurance premiums and traffic fines • Book domestic and international flights, hotels and bus tickets • Get a virtual Visa card for online payments worldwide • Buy international gift cards from hundreds of global brands • Load your wallet via local banks and supported payment partners • Track every payment with full history and downloadable PDF receipts Unelma Pay is more than a wallet — it's an entire payment ecosystem. JOIN THE COMMUNITY Facebook: https://www.facebook.com/unelmapay/ PROBLEMS? FEEDBACK? The more you tell us, the better UnelmaPay gets. https://unelmasupport.com
Punja Saving iSmart
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Punja Saving iSmart is smart mobile banking and finance app for customers who want to use following features: Account Information Send Money & Receive Money Bills and Utilities Payments QR
Screenshots
Verdict
The clearest difference is update cadence: UnelmaPay at every 6 days against Punja Saving iSmart's every 13 months. UnelmaPay also leads on device support. Punja Saving iSmart's advantage is iOS requirement (12.1 vs 15.0). On price 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.
UnelmaPay ships an update every 6 days, Punja Saving iSmart every 13 months. The most recent releases landed on October 24, 2026 and October 16, 2026 respectively.
| Parameter | UnelmaPay | Punja Saving iSmart |
|---|---|---|
| Price | Free | Free |
| Rating | 1.0 (1 ratings) — better | — |
| Positive reviews | 0.0% of reviews | — |
| Number of ratings | 1 — better | — |
| Update frequency | Every 6 days — better | Every 13 months |
| Ads | No | — |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPad, iPod — better | — |
| Requires iOS | 15.0 | 12.1 — better |
| Further details — not scored | ||
| Size | 36 MB | 98 MB |
| Age rating | 17+ | 17+ |
| Developer | Unelma Platforms | Devanasoft Pvt Ltd |
In-app purchases
UnelmaPay
No in-app purchases
Punja Saving iSmart
No in-app purchases
Questions
Is UnelmaPay free?
Is Punja Saving iSmart free?
Which is updated more often, UnelmaPay or Punja Saving iSmart?
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