Comparison

urpay vs tiqmo

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

Head to head
About

urpay

A smart digital wallet for managing finances. Easily top up, send money globally, pay bills, and issue cards. Offers features like payment splitting, family wallets, and instant finance.

Highlights
  • Digital wallet
  • Global money transfer
  • Bill payments
  • Virtual and physical cards
  • Mobile top-ups
  • Payment splitting
  • Family wallet
Features
Read full description

Manage all your finances in one app. urpay is your smart digital wallet designed to make everyday financial tasks faster, easier, and more rewarding. What you can do with urpay: Create your account in a minute and start managing your money securely. Top up your wallet via bank cards, Apple Pay, bank transfers, Mokafaa points or Samsung Pay. Send and receive money locally and internationally to over 140 countries through providers like MoneyGram, Tahweel Al Rajhi, Ria and more. Issue Mada & Visa cards for shopping, withdrawals, and premium benefits like cashback and airport lounge access. Pay bills easily through SADAD electricity, water, government services, and more. Recharge mobile lines or request an E-Sim card locally and internationally (STC, Mobily, Zain, Vodafone, Jazz, and others). Shop digital products & devices like gaming cards and smart watches from the built-in store. Split payments with Qatta, send money requests to collect your money from friends and families in a few taps. Pay your household salaries on time and with no hustle. Empower your family with the Family Wallet, give your kids their own wallet and monitor spending. Get instant finance through Emkan with no salary transfer required. Download urpay now and take control of your financial life. Need help? Contact us at 8001000081

About

tiqmo

Manage your finances with a comprehensive digital app offering prepaid Mastercard options, global money transfers, and bill payments. Gain insights into spending, track budgets, and access an integrated marketplace for mobile recharges and e-vouchers.

Highlights
  • Prepaid Mastercard options (Standard Mada, Platinum)
  • Global and local money transfers
  • International and local bill payments (SADAD integration)
  • Spending insights and budget tracking
  • Integrated marketplace for mobile recharge and e-vouchers
  • ATM cash withdrawal
Features
Read full description

TIQMO is a financial lifestyle digital app designed to revolutionize your financial experience. Seamlessly blending speed, convenience, and security, TIQMO offers a comprehensive range of financial services tailored to meet your every need in the Kingdom of Saudi Arabia. Effortlessly manage your finances with TIQMO's array of cutting-edge features. Discover the freedom of choice with our digital and physical prepaid Mastercard options. Whether it's the Standard Mada Mastercard or the Platinum Mastercard with competitive cashback offers, TIQMO's prepaid cards empower you to make local and international payments, indulge in online purchases, and breeze through POS transactions. Need cash on the go? Our physical prepaid cards let you withdraw funds hassle-free from ATMs. Say goodbye to the complexities of international money transfers. With TIQMO, sending and receiving money globally is a breeze. Seamlessly transfer funds to other wallets or IBAN accounts with remarkable ease. You can even opt for cash pick-up at our partner locations, ensuring your loved ones can access the money wherever they may be. Leave the hassles of bill payments behind. TIQMO simplifies the process, allowing you to settle international bills conveniently and securely. With just a few clicks, effortlessly manage your local bill payments through our seamless integration with SADAD. Take control of your financial well-being with TIQMO's intuitive interface. Gain valuable insights into your spending habits, effortlessly track your budget, and make informed financial decisions like never before. TIQMO's user-friendly platform ensures your financial goals are within reach. Step into a world of endless possibilities with TIQMO's integrated marketplace. Access a wide range of local and international mobile recharge products and e-vouchers for gaming and popular stores. Enjoy the convenience of making purchases right within the app, unlocking a world of possibilities at your fingertips. TIQMO takes the hassle out of local money transfers within the Kingdom of Saudi Arabia. Effortlessly send money to friends, family, or businesses, and experience the seamless transaction process that sets TIQMO apart. At TIQMO, we are committed to transforming the way you engage with your finances. Our mission is to provide innovative financial solutions that empower you to embrace a digital financial lifestyle. Join us on this exciting journey and experience the future of finance with TIQMO – where convenience, security, and limitless possibilities await you. Discover the power of TIQMO app and embark on a financial journey like no other.

Screenshots

urpay4 screens
tiqmo4 screens

Verdict

The call

The clearest difference is rating: urpay at 4.6 against tiqmo's 4.2. urpay also leads on ratings volume (12K vs 356). tiqmo's advantage is review sentiment (44% vs 26%). On price, update cadence, ads and in-app purchases 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

urpay holds the better App Store score, 4.6 against 4.2. That said, the two scores are not equally well evidenced: urpay has 12K ratings behind it against 356, so its average is the more settled of the two. Written reviews complicate that: 26% of urpay's written reviews are positive against 44% of tiqmo's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

urpay ships an update every 9 days, tiqmo weekly. The most recent releases landed on October 15, 2026 and October 4, 2026 respectively.

Scorecard3 real differences · 7 level
urpay versus tiqmo: the parameters behind the verdict, then further details
Parameterurpaytiqmo
PriceFreeFree
Rating4.6 (12K ratings) — better4.2 (356 ratings)
Positive reviews26.2% of reviews44.4% of reviews — better
Number of ratings12K — better356
Update frequencyEvery 9 daysWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPodiPhone, iPod
Requires iOS14.0 — better15.6
Further details — not scored
Size194 MB131 MB
Age rating4+4+
DeveloperNeoleapTiqmo

Customer experience

urpay

All ratings11,563 ratings
Positive91.0%
Neutral2.0%
Negative7.0%
Written reviews164 reviews
Positive26.2%
Neutral4.9%
Negative68.9%

tiqmo

All ratings356 ratings
Positive80.6%
Neutral0.8%
Negative18.5%
Written reviews90 reviews
Positive44.4%
Neutral2.2%
Negative53.3%

User reviews

urpay

From 12K App Store ratings

What we love

  • 💙 Best Digital Wallet
  • 👍 Easy to use, fast and good
  • 🚀 Fast and reliable even outside the kingdom
  • 💰 Great deals and user-friendly

Room to improve

  • 🐛 Network issues, app not working
  • 💰 High fees for transfers and transactions
  • 🔒 Requires location access
  • 🤔 Sudden changes to limits and features
  • 🤯 Terrible customer service and unresponsive

tiqmo

From 356 App Store ratings

What we love

  • 💸 Generous cash back
  • 🚀 Fast international transfers
  • 💳 Convenient bill payments
  • 🗂️ Helpful budgeting tools
  • 🔒 Reliable and secure

Room to improve

  • 🚫 Mandatory location access
  • 🤖 Buggy app performance
  • ❌ Failed international/local transfers
  • 🕰️ Slow customer support response
  • 💰 Unexpected fees and charges

Bugs and requests

urpay

Reported bugs

4 issues
  • Login/signup issues
  • Freezing, crashing, and performance problems
  • International transfers not working
  • Deduction of funds without reason

Requested features

6 requests
  • Add monthly spending reports
  • Allow multiple wallets
  • Support Mada cards
  • Restore previous cashback rates
  • Increase transfer limits
Show 1 more
  • Allow more users to manage family wallet

tiqmo

Reported bugs

4 issues
  • Login and account verification issues
  • Frequent app crashes and freezes
  • Delayed or failed money transfers
  • Inconsistent cash back application

Requested features

4 requests
  • Improved international transfer experience
  • Enhanced security and privacy controls
  • Seamless integration with other financial apps
  • More transparent cash back policies

In-app purchases

None

urpay

No in-app purchases

None

tiqmo

No in-app purchases

Questions

Is urpay free?
urpay is free to download, with no in-app purchases.
Is tiqmo free?
tiqmo is free to download, with no in-app purchases.
Which has better reviews, urpay or tiqmo?
urpay is rated higher. urpay averages 4.6 out of 5 from 12K ratings, while tiqmo averages 4.2 from 356 ratings.
Do urpay or tiqmo have ads?
Neither urpay nor tiqmo shows ads.
Which is updated more often, urpay or tiqmo?
urpay ships an update every 9 days, and tiqmo weekly. Most recently, urpay was updated on October 15, 2026 and tiqmo on October 4, 2026.

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