# U vs VbiPay

The clearest difference is rating: U at 4.4 against VbiPay's 4.0. VbiPay's advantage is iOS requirement (13 vs 16.0). On price, ratings volume, update cadence and ads there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

U holds the better App Store score, 4.4 against 4.0. Both are backed by a comparable volume of ratings — 7 and 4 respectively.

U ships an update every 2 weeks, VbiPay every 9 days. The most recent releases landed on September 26, 2026 and September 11, 2026 respectively.

## The numbers

| Metric | U | VbiPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.4 (7 ratings)](https://appshunter.io/ios/app/u-pay/id1540481313/reviews)** | [4.0 (4 ratings)](https://appshunter.io/ios/app/vbipay/id6760642188/reviews) |
| Number of ratings | **7** | 4 |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Every 9 days** |
| Monetization | Free | Free |
| Size | 161 MB | 96 MB |
| Requires iOS | 16.0 | **13** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [U-Pay Digital Plc.](https://appshunter.io/developer/1540481315) | [VbiPay Global Inc.](https://appshunter.io/developer/1885468463) |

## What reviewers say

### U

[App page](https://appshunter.io/ios/app/u-pay/id1540481313)

This app offers a secure and convenient way to make payments, manage your wallet, and pay bills online. It also features a rewards program for cashback and allows users to send red packets to friends.

**Highlights:** Scan to pay quickly, Manage your wallet, Online bill payment, Cashback rewards program, Redeem U-Points for discounts, Send red packets

**Features:** macOS Compatibility

**In-app purchases:** none


### VbiPay

[App page](https://appshunter.io/ios/app/vbipay/id6760642188)

This finance app simplifies daily payments and transactions with secure, efficient tools. It offers convenient mobile payments, automatic transaction categorization, and robust security features for effortless financial management.

**Highlights:** Convenient mobile payments, Automatic transaction categorization, Robust security with encryption, Intuitive and clean interface, Effortless financial management

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

**In-app purchases:** none


## Frequently asked questions

### Is U free?

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

### Is VbiPay free?

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

### Which has better reviews, U or VbiPay?

U is rated higher. U averages 4.4 out of 5 from 7 ratings, while VbiPay averages 4.0 from 4 ratings.

### Do U or VbiPay have ads?

Neither U nor VbiPay shows ads.

### Which is updated more often, U or VbiPay?

U ships an update every 2 weeks, and VbiPay every 9 days. Most recently, U was updated on September 26, 2026 and VbiPay on September 11, 2026.

---

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