VaultsPay vs Whizmo UAE
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
VaultsPay
This app provides a digital wallet for seamless, cashless transactions in the UAE. It allows for instant wallet opening, virtual or physical card issuance, local fund transfers, and easy bill payments for residents and businesses.
- Instant digital wallet opening
- Virtual and physical card issuance
- Instant local fund transfers
- Hassle-free bill payments
- Secure financial tool
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VaultsPay is a leading UAE-based fintech dedicated to delivering seamless, cashless transactions for residents and businesses. Transform your smartphone into a powerful financial tool with your own digital wallet. Key Features of your VaultsPay Wallet: - Instant Wallet Opening: Quickly open your secure personal or business digital wallet account. - Card Issuance: Issue virtual or physical cards instantly, linked directly to your VaultsPay account. - Local Transfers: Send and receive funds instantly for domestic payments across the UAE. - Hassle-Free Payments: Pay all your utilities, telecommunications, and other bill payments with a few taps. Our mission is to simplify your financial life. Built by fintech experts, VaultsPay provides a super customer experience, high security, and the convenience you deserve. We're regulated by the Central Bank of the UAE. Download VaultsPay today and join the future of finance in the UAE!
Whizmo UAE
This app provides a comprehensive mobile money solution for fast and secure financial transactions. It allows users to pay bills, make peer-to-peer and international transfers, and receive salaries directly. The user-friendly interface supports QR code payments and instant local and international transfers.
- QR code payments
- Online bill payments
- Instant cash-in/cash-out
- Instant P2P transfers
- International money transfers
- Direct salary deposits (WPS)
- Business payment solutions
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Your go-to mobile money solution for fast, easy, and seamless transactions. Whizmo is a fully featured mobile money solution licensed by the Central Bank of the UAE. From paying bills and making peer-to-peer transfers to international transfers, Whizmo is the one-stop solution for all your money-related needs. Whether you're a seasoned user looking for enhanced features or a first-timer venturing into the world of mobile money, Whizmo’s user-friendly interface has been meticulously crafted to enhance your experience with unparalleled ease and convenience. From QR code payments to instant local and international transfers, Whizmo empowers everyone to do secure and frictionless transactions in just 2 simple taps. We are dedicated to fostering financial inclusion and empowering the underserved and unbanked communities across the UAE. Which is why, our solution is not only easily accessible to everyone, but also tailored to meet their specific needs, including receiving salaries directly into their Whizmo account through WPS, deposits and withdrawals, instant international transfers at competitive rates, and more. Key Features: Smart QR Code Payments: Effortlessly make payments by scanning QR codes, providing a hassle-free and efficient way to conduct transactions. Online Payments: Simplify your life by paying for utilities and other expenses online with Whizmo, ensuring a one-stop solution for your online shopping and purchases. Cash-In/Cash-Out Instantly: Our Network Partners make it convenient for users to top up their Whizmo wallets or withdraw cash by simply scanning a QR code. Instant Money Transfers: Enjoy the flexibility of instant transfers across various channels, including P2P, C2B, C2G, B2B, and B2G, putting you in control of your money whenever and wherever. International Transfers: Whizmo takes your reach beyond borders, allowing you to instantly transfer money to your family and friends abroad at competitive rates. Receive Money: Receive money from friends, family, or clients instantly through Whizmo. Direct Salary Deposits: Experience the ease of receiving your salary directly into your Whizmo account through WPS, providing a straightforward and efficient payroll solution. How to onboard yourself: 1.Download the app. 2.Enter your local UAE number. 3.Enter the OTP sent to your registered number to proceed. 4.Register yourself using your UAE Pass. 5.Log in using your UAE Pass. 6.Start using Whizmo! Whizmo for Business: Whizmo’s innovative mobile money benefits extend to businesses as well, offering a suite of features designed to streamline operations and enhance efficiency. Here's how Whizmo for Business can empower your organization: Seamless Transactions: Receive and send payments effortlessly through swift and secure online transfers. Smart QR Code Payments: Simplify payment processes for your customers with QR codes. Bulk Payments and Receivables: Manage bulk payments and keep track of receivables, reducing administrative complexities associated with large-scale transactions. Salary Disbursements: Optimize your payroll processes by utilizing Whizmo for direct salary disbursements. International Business Transactions: Manage payments for suppliers and vendors across the globe with Whizmo's international transfer feature. Conduct cross-border transactions at competitive rates, facilitating smoother business operations. Real-time Account Management: Stay in control of your money with real-time account management features. Monitor transactions, track balances and expenses, and make informed financial decisions on the go. Want your business to grow with the Whizmo advantage? Call us at 800-944966, and one of our agents will assist you. Download the app now to redefine the way you manage your money, and experience the benefits of easy, secure, and instant transactions. For more information or feedback, call us at 800-944966, or drop us an email at support@whizmo.com.
Screenshots
Verdict
The clearest difference is review sentiment: VaultsPay at 100% against Whizmo UAE's 67%. VaultsPay also leads on update cadence (every 5 days vs monthly). Whizmo UAE's advantage is iOS requirement (13.0 vs 16). On price, ads, in-app purchases and monetization model 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.
VaultsPay ships an update every 5 days, Whizmo UAE monthly. The most recent releases landed on November 3, 2026 and October 30, 2026 respectively.
| Parameter | VaultsPay | Whizmo UAE |
|---|---|---|
| Price | Free | Free |
| Rating | — | 4.2 (5 ratings) — better |
| Positive reviews | 100.0% of reviews — better | 66.7% of reviews |
| Number of ratings | — | 5 — better |
| Update frequency | Every 5 days — better | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 16 | 13.0 — better |
| Further details — not scored | ||
| Size | 162 MB | 111 MB |
| Age rating | 4+ | 4+ |
| Developer | The vaults international payment llc | Whizmo Holdings Inc. |
Customer experience
VaultsPay
Whizmo UAE
In-app purchases
VaultsPay
No in-app purchases
Whizmo UAE
No in-app purchases









