# urpay vs D360 Bank

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.

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.

## The numbers

| Metric | urpay | D360 Bank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (12K ratings)](https://appshunter.io/ios/app/urpay/id1585778338/reviews)** | [4.5 (798 ratings)](https://appshunter.io/ios/app/d360-bank/id1667558506/reviews) |
| Number of ratings | **12K** | 798 |
| Positive reviews | 26.2% of reviews | **35.3% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 9 days | Every 9 days |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 230 MB | 236 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Neoleap](https://appshunter.io/developer/1585778340) | [D360 Bank](https://appshunter.io/developer/1667558536) |

## 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


### D360 Bank

[App page](https://appshunter.io/ios/app/d360-bank/id1667558506)

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.

**Highlights:** Seamless onboarding, Fast transactions and transfers, Competitive pricing, No foreign currency fees, Bank from anywhere, anytime, No hidden fees, Personalized customer support

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

**In-app purchases:** none

**What reviewers like**

- 🚀 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)

**What reviewers complain about**

- 😤 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

**Reported bugs**

- 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

**Requested features**

- 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


## Frequently asked questions

### Is urpay free?

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

### Is D360 Bank free?

D360 Bank is free to download, with no in-app purchases.

### Which has better reviews, urpay or D360 Bank?

urpay is rated higher. urpay averages 4.6 out of 5 from 12K ratings, while D360 Bank averages 4.5 from 798 ratings.

### Do urpay or D360 Bank have ads?

D360 Bank shows ads; urpay does not.

### Which is updated more often, urpay or D360 Bank?

urpay ships an update every 9 days, and D360 Bank every 9 days. Most recently, urpay was updated on October 28, 2026 and D360 Bank on October 27, 2026.

---

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