UnelmaPay vs Upayogi Saving iSmart
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
UnelmaPay
Manage all your payments with this comprehensive digital wallet. Send money globally, pay bills, book travel, and get a virtual card for online purchases. It's a complete payment ecosystem for your everyday financial needs.
- Global money remittance
- International mobile top-up
- Instant P2P money transfers
- Utility bill payments
- Flight and hotel bookings
- Virtual Visa card
- International gift cards
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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
Upayogi Saving iSmart
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Upayogi 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 3 days against Upayogi Saving iSmart's every 4 weeks. Upayogi Saving iSmart's advantage is iOS requirement (12.1 vs 15.0). On price, ads, in-app purchases and device support 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 3 days, Upayogi Saving iSmart every 4 weeks. The most recent releases landed on November 3, 2026 and November 4, 2026 respectively.
| Parameter | UnelmaPay | Upayogi 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 3 days — better | Every 4 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 | 12.1 — better |
| Further details — not scored | ||
| Size | 36 MB | 67 MB |
| Age rating | 17+ | 17+ |
| Developer | Unelma Platforms | DEVANA SOFT PRIVATE LIMITED |
In-app purchases
UnelmaPay
No in-app purchases
Upayogi Saving iSmart
No in-app purchases
Questions
Is UnelmaPay free?
Is Upayogi Saving iSmart free?
Do UnelmaPay or Upayogi Saving iSmart have ads?
Which is updated more often, UnelmaPay or Upayogi Saving iSmart?
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