urpay vs tiqmo
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Digital wallet
- Global money transfer
- Bill payments
- Virtual and physical cards
- Mobile top-ups
- Payment splitting
- Family wallet
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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
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.
- 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
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
urpay ships an update every 9 days, tiqmo weekly. The most recent releases landed on October 15, 2026 and October 4, 2026 respectively.
| Parameter | urpay | tiqmo |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (12K ratings) — better | 4.2 (356 ratings) |
| Positive reviews | 26.2% of reviews | 44.4% of reviews — better |
| Number of ratings | 12K — better | 356 |
| Update frequency | Every 9 days | Weekly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 14.0 — better | 15.6 |
| Further details — not scored | ||
| Size | 194 MB | 131 MB |
| Age rating | 4+ | 4+ |
| Developer | Neoleap | Tiqmo |
Customer experience
urpay
tiqmo
User reviews
urpay
From 12K App Store ratingsWhat 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 ratingsWhat 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
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- 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
urpay
No in-app purchases
tiqmo
No in-app purchases








