Comparison

Hubpay vs ADCB | Nomo UAE

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Hubpay

Send money internationally from the UAE at a low cost. This digital wallet facilitates secure transfers to banks and agents worldwide. Fund your account easily from your bank.

Highlights
  • Low-cost international transfers
  • Digital wallet
  • Send money to banks and agents
  • UAE remittances
  • Digital onboarding
  • Fund wallet from bank account
Features
Read full description

Hubpay - Low cost, international money transfer Hubpay is licensed as Money Services Provider by the Abu Dhabi Global Market to carry out remittances in the UAE. Hubpay is a digital wallet that enables you to make money transfers and payments from the UAE to your family and friends around the globe. Hubpay allows you to send money to banks and agents in a number of countries around the world. Download the app, carry out the digital onboarding, and fund your wallet with money straight from your bank account, all from the Hubpay app.

About

ADCB | Nomo UAE

Access a UK digital bank account with multi-currency spending, international transfers, and savings options. Invest in UK property with tailored finance solutions. Manage your finances globally with a Sharia-compliant digital banking app.

Highlights
  • Fee-free multi-currency spending
  • Easy international transfers
  • UK-based savings accounts
  • UK property investment finance
  • Digital account opening
  • Sharia-compliant banking
Features
Read full description

Think global, bank local, with a UK digital bank account from Nomo, in partnership with ADCB. Nomo by Bank of London and The Middle East plc (“BLME”) is a trading name of BLME. Bank of London and The Middle East plc DIFC Branch is regulated by the Dubai Financial Services Authority (“DFSA”) as a Category 4 Authorised Firm. The registered office is Office 2904, Level 29, Al Fattan Currency House, Dubai International Financial Centre, Dubai, UAE, PO Box 506557 is DFSA Firm Reference Number F0003552. When you join Nomo, you’ll have access to fee-free multi-currency spending, easy international transfers, UK-based savings accounts, and exciting property investment opportunities. Apply for an account digitally from your smartphone. Kindly note that the Nomo Bank account is provided by Bank of London and The Middle East (BLME) rather than ADCB. SPEND Pay like a local with your debit card or Apple Pay in six currencies – GBP, USD, EUR, KWD, AED, SAR – and avoid international card fees when you’re travelling abroad. SEND Send money abroad in multiple currencies from the app. GBP transfers to UK personal and business bank accounts are fee-free, and transfers in other currencies have low, flat fees. SAVE Diversify your income and earn multi-currency profits with GBP, USD and EUR Fixed Term Deposits. PROPERTY FINANCE Receive finance to buy a UK property, either as an investment or as a home for your family. Joint and sole applications and available, as well as refinance for existing UK property owners.* Security with Nomo Ensuring your money and data are safe is a top priority for us. Nomo is part of Boubyan Bank and a trading name of BLME (Bank of London and The Middle East plc), which is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the PRA. Nomo deposits via BLME of up to £85,000 are therefore protected by the FSCS (Financial Services Compensation Scheme). Please refer to the FSCS website for further information at www.fscs.org.uk. Why ADCB | Nomo? We believe that your international, fast-paced lifestyle should be matched with instant access to amazing banking products wherever you are in the world. Nomo’s seamless banking tools allow you to live locally and think globally. Wherever our clients go, they take their financial freedom with them thanks to our Sharia-compliant digital banking app. We’re working hard to bring digital excellence to the world of Islamic banking, through cutting-edge technology that lets customers manage their money on their terms. It takes just minutes to open a Nomo account, so download the app and begin your journey now! *Properties in England and Wales only. Your property may be at risk if you do not keep up the payments on your Nomo Property Finance

Screenshots

Hubpay4 screens
ADCB | Nomo UAE4 screens

Verdict

The call

Hubpay and ADCB | Nomo UAE both sit at 4.5 stars, but that hides the real split: 69% of Hubpay's written reviews are positive against 50% of ADCB | Nomo UAE's. Hubpay also leads on iOS requirement (15.1 vs 18.0). ADCB | Nomo UAE's advantage is monetization model (free vs ad-supported) and ratings volume (111 vs 22). On price, rating, update cadence and ads 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

ADCB | Nomo UAE holds the better App Store score, 4.7 against 4.5. That said, the two scores are not equally well evidenced: ADCB | Nomo UAE has 111 ratings behind it against 22, so its average is the more settled of the two. Written reviews complicate that: 69% of Hubpay's written reviews are positive against 50% of ADCB | Nomo UAE's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly fortnightly. The most recent releases landed on November 3, 2026 and November 4, 2026 respectively.

Scorecard4 real differences · 6 level
Hubpay versus ADCB | Nomo UAE: the parameters behind the verdict, then further details
ParameterHubpayADCB | Nomo UAE
PriceFreeFree
Rating4.5 (22 ratings)4.7 (111 ratings) — better
Positive reviews69.1% of reviews — better50.0% of reviews
Number of ratings22111 — better
Update frequencyFortnightlyFortnightly
AdsNoNo
In-app purchasesNoNo
MonetizationAd-supportedFree — better
DevicesiPhone, iPod — betteriPhone
Requires iOS15.1 — better18.0
Further details — not scored
Size74 MB171 MB
Age rating4+4+
DeveloperHubpay LimitedBLME

Customer experience

Hubpay

All ratings22 ratings
Positive90.9%
Neutral0.0%
Negative9.1%
Written reviews123 reviews
Positive69.1%
Neutral2.4%
Negative28.5%

ADCB | Nomo UAE

All ratings111 ratings
Positive92.8%
Neutral1.8%
Negative5.4%
Written reviews12 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

In-app purchases

None

Hubpay

No in-app purchases

None

ADCB | Nomo UAE

No in-app purchases

Questions

Is Hubpay free?
Hubpay is free to download, with no in-app purchases.
Is ADCB | Nomo UAE free?
ADCB | Nomo UAE is free to download, with no in-app purchases.
Which has better reviews, Hubpay or ADCB | Nomo UAE?
ADCB | Nomo UAE is rated higher. Hubpay averages 4.5 out of 5 from 22 ratings, while ADCB | Nomo UAE averages 4.7 from 111 ratings.
Do Hubpay or ADCB | Nomo UAE have ads?
Neither Hubpay nor ADCB | Nomo UAE shows ads.
Which is updated more often, Hubpay or ADCB | Nomo UAE?
Hubpay ships an update fortnightly, and ADCB | Nomo UAE fortnightly. Most recently, Hubpay was updated on November 3, 2026 and ADCB | Nomo UAE on November 4, 2026.

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