# UnelmaPay vs Punja Saving iSmart

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.

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.

## The numbers

| Metric | UnelmaPay | Punja Saving iSmart |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[1.0 (1 ratings)](https://appshunter.io/ios/app/unelmapay/id1534030838/reviews)** | — |
| Number of ratings | **1** | — |
| Positive reviews | 0.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | — |
| Update frequency | **Every 6 days** | Every 13 months |
| Monetization | Free | — |
| Size | 36 MB | 98 MB |
| Requires iOS | 15.0 | **12.1** |
| Devices | **iPhone, iPad, iPod** | — |
| Age rating | 17+ | 17+ |
| Developer | [Unelma Platforms](https://appshunter.io/developer/1338163438) | [Devanasoft Pvt Ltd](https://appshunter.io/developer/1694777395) |

## What reviewers say

### UnelmaPay

[App page](https://appshunter.io/ios/app/unelmapay/id1534030838)

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.

**Highlights:** Online payment processing, Wallet-to-wallet fund transfers, Accept payments via third-party gateways, Utility bill payments, Top-up services

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

**In-app purchases:** none


### Punja Saving iSmart

[App page](https://appshunter.io/ios/app/punja-saving-ismart/id6466315822)

**In-app purchases:** none


## Frequently asked questions

### Is UnelmaPay free?

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

### Is Punja Saving iSmart free?

Punja Saving iSmart is free to download, with no in-app purchases.

### Which is updated more often, UnelmaPay or Punja Saving iSmart?

UnelmaPay ships an update every 6 days, and Punja Saving iSmart every 13 months. Most recently, UnelmaPay was updated on October 24, 2026 and Punja Saving iSmart on October 16, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*