# urpay vs STC Bank

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.

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 30, 2026.

## The numbers

| Metric | urpay | STC Bank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (12K ratings)](https://appshunter.io/ios/app/urpay/id1585778338/reviews) | **[4.7 (45K ratings)](https://appshunter.io/ios/app/stc-bank/id6458546150/reviews)** |
| Number of ratings | 12K | **45K** |
| Positive reviews | 26.2% of reviews | **38.4% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 9 days | **Every 5 days** |
| Monetization | Free with in-app purchases | **Ad-supported** |
| Size | 230 MB | 461 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 12+ |
| Developer | [Neoleap](https://appshunter.io/developer/1585778340) | [STCPay](https://appshunter.io/developer/1364197139) |

## 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


### STC Bank

[App page](https://appshunter.io/ios/app/stc-bank/id6458546150)

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.

**Highlights:** Manage multiple accounts, Local & international transfers, Card management (mada & Visa), Bill payment, Financing options, Saving accounts

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

**In-app purchases:** none

**What reviewers like**

- 👍 Easy and convenient
- 🚀 Good and fast
- 💡 Merge STC Pay and STC Bank into one app

**What reviewers complain about**

- 🐛 Sluggish performance and technical issues
- 🐛 Frequent crashes and glitches
- 🐛 Unreliable registration and account setup
- 🔒 Security concerns
- 🔋 High battery consumption

**Reported bugs**

- Incorrect error messages
- Inability to add funds or transfer money
- Compatibility issues with older devices
- Inconsistent app behavior

**Requested features**

- Dark mode option
- Improved user experience
- Better customer support
- Expand availability beyond Saudi Arabia


## Frequently asked questions

### Is urpay free?

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

### Is STC Bank free?

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

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

STC Bank is rated higher. urpay averages 4.6 out of 5 from 12K ratings, while STC Bank averages 4.7 from 45K ratings.

### Do urpay or STC Bank have ads?

Neither urpay nor STC Bank shows ads.

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

urpay ships an update every 9 days, and STC Bank every 5 days. Most recently, urpay was updated on October 30, 2026 and STC Bank on October 30, 2026.

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