# BHIM IOB UPI vs TMB MBank

The clearest difference is rating: TMB MBank at 4.0 against BHIM IOB UPI's 3.0. TMB MBank also leads on review sentiment (72% vs 37%). 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.

TMB MBank holds the better App Store score, 4.0 against 3.0. Both are backed by a comparable volume of ratings — 21 and 10 respectively. Written reviews point the same way: 37% of BHIM IOB UPI's written reviews are positive against 72% of TMB MBank's.

BHIM IOB UPI ships an update every 4 months, TMB MBank every 2 months. Both last shipped on October 13, 2026.

## The numbers

| Metric | BHIM IOB UPI | TMB MBank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (21 ratings)](https://appshunter.io/ios/app/bhim-iob-upi/id1565773245/reviews) | **[4.0 (10 ratings)](https://appshunter.io/ios/app/tmb-mbank/id1585648913/reviews)** |
| Number of ratings | **21** | 10 |
| Positive reviews | 37.1% of reviews | **72.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Every 2 months** |
| Monetization | Free | Free |
| Size | 35 MB | 144 MB |
| Requires iOS | 17.0 | 17.0 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [IOB](https://appshunter.io/developer/991696099) | [Tamilnad Mercantile Bank](https://appshunter.io/developer/901809082) |

## What reviewers say

### BHIM IOB UPI

[App page](https://appshunter.io/ios/app/bhim-iob-upi/id1565773245)

This app allows users to make and receive payments using a virtual payment address linked to their bank account. It supports balance inquiries, QR code payments, and managing payees and VPAs. Registration requires a registered mobile number and SIM card for device binding.

**Highlights:** Virtual Payment Address creation, Send money and collection requests, Balance inquiry for VPA linked accounts, Manage payees and VPAs, Pay by QR Code, Generate QR codes

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

**In-app purchases:** none


### TMB MBank

[App page](https://appshunter.io/ios/app/tmb-mbank/id1585648913)

Manage your bank accounts, perform transactions, and open deposits 24/7 from your mobile device. The app allows you to monitor balances, transfer funds, pay bills, and manage your debit card with ease.

**Highlights:** Monitor account balances, Perform money transfers, Pay bills and recharge services, Open and manage deposits, Manage debit card settings, Find nearest ATMs and branches

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

**In-app purchases:** none


## Frequently asked questions

### Is BHIM IOB UPI free?

BHIM IOB UPI is free to download, with no in-app purchases.

### Is TMB MBank free?

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

### Which has better reviews, BHIM IOB UPI or TMB MBank?

TMB MBank is rated higher. BHIM IOB UPI averages 3.0 out of 5 from 21 ratings, while TMB MBank averages 4.0 from 10 ratings.

### Do BHIM IOB UPI or TMB MBank have ads?

Neither BHIM IOB UPI nor TMB MBank shows ads.

### Which is updated more often, BHIM IOB UPI or TMB MBank?

BHIM IOB UPI ships an update every 4 months, and TMB MBank every 2 months. Most recently, BHIM IOB UPI was updated on October 13, 2026 and TMB MBank on October 13, 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.*