# UnelmaPay vs Upayogi Saving iSmart

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.

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.

## The numbers

| Metric | UnelmaPay | Upayogi 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 | No |
| Update frequency | **Every 3 days** | Every 4 weeks |
| Monetization | Free | — |
| Size | 36 MB | 67 MB |
| Requires iOS | 15.0 | **12.1** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 17+ | 17+ |
| Developer | [Unelma Platforms](https://appshunter.io/developer/1338163438) | [DEVANA SOFT PRIVATE LIMITED](https://appshunter.io/developer/1694777395) |

## What reviewers say

### UnelmaPay

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

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.

**Highlights:** Global money remittance, International mobile top-up, Instant P2P money transfers, Utility bill payments, Flight and hotel bookings, Virtual Visa card, International gift cards

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

**In-app purchases:** none


### Upayogi Saving iSmart

[App page](https://appshunter.io/ios/app/upayogi-saving-ismart/id6480114864)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is UnelmaPay free?

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

### Is Upayogi Saving iSmart free?

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

### Do UnelmaPay or Upayogi Saving iSmart have ads?

Neither UnelmaPay nor Upayogi Saving iSmart shows ads.

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

UnelmaPay ships an update every 3 days, and Upayogi Saving iSmart every 4 weeks. Most recently, UnelmaPay was updated on November 3, 2026 and Upayogi Saving iSmart on November 4, 2026.

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