# urpay vs tiqmo

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.

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 16, 2026 and October 4, 2026 respectively.

## The numbers

| Metric | urpay | tiqmo |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (12K ratings)](https://appshunter.io/ios/app/urpay/id1585778338/reviews)** | [4.2 (356 ratings)](https://appshunter.io/ios/app/tiqmo/id1664051459/reviews) |
| Number of ratings | **12K** | 356 |
| Positive reviews | 26.2% of reviews | **44.4% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 9 days | **Weekly** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 194 MB | 131 MB |
| Requires iOS | **14.0** | 15.6 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Neoleap](https://appshunter.io/developer/1585778340) | [Tiqmo](https://appshunter.io/developer/1659823930) |

## What reviewers say

### urpay

[App page](https://appshunter.io/ios/app/urpay/id1585778338)

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:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

- 🐛 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

**Reported bugs**

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

**Requested features**

- Add monthly spending reports
- Allow multiple wallets
- Support Mada cards
- Restore previous cashback rates
- Increase transfer limits


### tiqmo

[App page](https://appshunter.io/ios/app/tiqmo/id1664051459)

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:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

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

**Requested features**

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


## Frequently asked 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 16, 2026 and tiqmo on October 4, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*