urpay vs STC 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.
STC Bank
Manage your finances securely and easily with a wide range of digital banking services. Perform transactions, manage cards, and access various account features all within a single application.
- Manage multiple accounts
- Local & international transfers
- Card management (mada & Visa)
- Bill payment
- Financing options
- Saving accounts
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STC Bank app provides all products and digital services that enable you to manage your finances securely and easily with a click! including: Increasing the daily & monthly limits, mada & Visa cards, multiple accounts, local & international transfers, contact transfers & Qattah, Financing, Saving accounts, bill payment, and many more. Go beyond with STC Bank!
Screenshots
Verdict
The clearest difference is monetization model: STC Bank at ad-supported against urpay's free with in-app purchases. STC Bank also leads on review sentiment (38% vs 26%) and ratings volume (45K vs 12K). On price, rating, update cadence and ads 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 4.7 for STC Bank. Both are backed by a comparable volume of ratings — 12K and 45K respectively. Written reviews are what separate them: 26% of urpay's written reviews are positive against 38% of STC Bank's.
urpay ships an update every 9 days, STC Bank every 5 days. Both last shipped on October 29, 2026.
| Parameter | urpay | STC Bank |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (12K ratings) | 4.7 (45K ratings) — better |
| Positive reviews | 26.2% of reviews | 38.4% of reviews — better |
| Number of ratings | 12K | 45K — better |
| Update frequency | Every 9 days | Every 5 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Ad-supported — better |
| Devices | iPhone | iPhone, iPod — better |
| Requires iOS | 16.0 | 15.0 — better |
| Further details — not scored | ||
| Size | 230 MB | 461 MB |
| Age rating | 4+ | 12+ |
| Developer | Neoleap | STCPay |
Customer experience
urpay
STC 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
STC Bank
From 45K App Store ratingsWhat we love
- 👍 Easy and convenient
- 🚀 Good and fast
- 💡 Merge STC Pay and STC Bank into one app
Room to improve
- 🐛 Sluggish performance and technical issues
- 🐛 Frequent crashes and glitches
- 🐛 Unreliable registration and account setup
- 🔒 Security concerns
- 🔋 High battery consumption
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
STC Bank
Reported bugs
4 issues- Incorrect error messages
- Inability to add funds or transfer money
- Compatibility issues with older devices
- Inconsistent app behavior
Requested features
4 requests- Dark mode option
- Improved user experience
- Better customer support
- Expand availability beyond Saudi Arabia
In-app purchases
urpay
No in-app purchases
STC Bank
No in-app purchases
