urpay vs D360 Bank
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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With urpay, you can manage all your financial needs from one app. Pay, transfer, save, pay your bills, earn rewards, and send money internationally with ease. The app also lets you issue virtual and physical cards, while the urpay Kids Band provides a safe and convenient way for your children to make payments—giving you a complete financial experience tailored to your everyday needs. Key Features: - Instant transfers - International transfers - Bill payments - Digital wallet - Cashback and rewards - Virtual and physical cards - urpay Kids Band - Secure payments - Bill splitting Download urpay today and discover a smarter way to manage your money with financial services designed to fit your everyday life.
D360 Bank
An innovative digital bank offering Sharia-compliant financial services. Open an account in minutes with a seamless onboarding process, enjoy fast transactions, and benefit from competitive pricing with no hidden fees. Bank conveniently from anywhere, anytime with personalized support and top-tier security.
- Seamless onboarding
- Fast transactions and transfers
- Competitive pricing
- No foreign currency fees
- Bank from anywhere, anytime
- No hidden fees
- Personalized customer support
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Welcome to D360 Bank, the innovative Saudi Sharia-compliant digital bank that puts you at the center of everything we do and empowers your financial control through the D360 Bank App. With our seamless onboarding process, you can start banking in no time. Say goodbye to the limitations of physical branches, high fees, and complex banking tools. Features: • Easy onboarding steps: Open your bank account in less than 2 minutes! • Fast banking: Enjoy fast transactions and transfers with our D360 Bank App. • Competitive prices: Save more with free monthly transfers and spend without foreign currency fees. • Convenience: Bank from anywhere, anytime with our D360 Bank App. • Transparency: No hidden fees. • Personalized support: Our customer support team is always ready to help you at any time. What Sets Us Apart? D360 Bank prioritizes customer empowerment, accessibility, affordability, and Islamic ethics, availing a new era of digital banking. Security Assured We invest in and use top-tier security technology that guards your finances and information around the clock, ensuring a banking journey you can trust implicitly. Open Your Account in 2 Minutes Ready for a banking experience designed to meet your needs? Download D360 Bank app, open your account today, and enjoy an exceptional banking experience!
Screenshots
Verdict
The clearest difference is ads: urpay at none against D360 Bank's shown. urpay also leads on ratings volume (12K vs 798). D360 Bank's advantage is review sentiment (35% vs 26%). On price, rating, update cadence 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.
On the App Store both sit at effectively the same score — 4.6 for urpay against 4.5 for D360 Bank. That said, the two scores are not equally well evidenced: urpay has 12K ratings behind it against 798, so its average is the more settled of the two. Written reviews are what separate them: 26% of urpay's written reviews are positive against 35% of D360 Bank's.
Both ship on a similar rhythm, roughly every 9 days. The most recent releases landed on October 28, 2026 and October 27, 2026 respectively.
| Parameter | urpay | D360 Bank |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (12K ratings) — better | 4.5 (798 ratings) |
| Positive reviews | 26.2% of reviews | 35.3% of reviews — better |
| Number of ratings | 12K — better | 798 |
| Update frequency | Every 9 days | Every 9 days |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Devices | iPhone | iPhone, iPod — better |
| Requires iOS | 16.0 | 15.0 — better |
| Further details — not scored | ||
| Size | 230 MB | 236 MB |
| Age rating | 4+ | 4+ |
| Developer | Neoleap | D360 Bank |
Customer experience
urpay
D360 Bank
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
D360 Bank
From 798 App Store ratingsWhat we love
- 🚀 Fast international transfers with competitive exchange rates
- 💰 No fees for domestic and international transfers
- 👍 Simple and intuitive user interface design
- 🌍 Excellent service for travelers and expatriates
- 💳 Easy account setup process (when approved)
Room to improve
- 😤 Extremely long account opening delays (months of waiting)
- 🔒 Frequent account freezing without clear explanation
- 📞 Poor customer service responsiveness and unhelpful support
- ⏱️ Slow issue resolution and unresolved support tickets
- 💸 Inconsistent transfer limits and unfair restrictions
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
D360 Bank
Reported bugs
10 issues- App crashes and frequent freezing
- Slow app loading and performance issues
- Location permission requirement blocking app access
- Login failures and SMS code input issues
- Apple Wallet integration not working
Show 5 moreShow fewer
- App incompatibility with iPhone 14 and newer devices
- Keyboard not appearing for SMS code entry
- Pending transactions stuck for extended periods
- Refund processing delays exceeding 30 days
- International transfers not credited to destination accounts
Requested features
8 requests- Physical bank branches or better in-person support
- Account number visibility in app
- Account deletion option within the app
- Support for American Express cards
- Improved daily withdrawal limits
Show 3 moreShow fewer
- Better international payment tracking
- Faster account opening without waiting list
- More transparent account freezing policies
In-app purchases
urpay
No in-app purchases
D360 Bank
No in-app purchases
