# urpay vs PayBack | Bill Splitter

The clearest difference is update cadence: urpay at weekly against PayBack | Bill Splitter's every 2 months. PayBack | Bill Splitter's advantage is device support (3 vs 1). On price, ads, in-app purchases and iOS requirement there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

urpay ships an update weekly, PayBack | Bill Splitter every 2 months. The most recent releases landed on November 14, 2026 and November 10, 2026 respectively.

## The numbers

| Metric | urpay | PayBack | Bill Splitter |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (12K ratings)](https://appshunter.io/ios/app/urpay/id1585778338/reviews)** | — |
| Number of ratings | **12K** | — |
| Positive reviews | 26.3% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Weekly** | Every 2 months |
| Monetization | Free | — |
| Size | 223 MB | 25 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Neoleap](https://appshunter.io/developer/1585778340) | [Ahmed Samy](https://appshunter.io/developer/1885918690) |

## What reviewers say

### urpay

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

Manage all your financial needs in one place. Easily pay bills, transfer money internationally, save, and earn rewards. The app also offers virtual and physical cards, plus a secure payment option for children.

**Highlights:** Instant transfers, International money transfers, Bill payments, Digital wallet, Cashback and rewards, Virtual and physical cards, urpay Kids Band for children's payments

**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


### PayBack | Bill Splitter

[App page](https://appshunter.io/ios/app/payback-bill-splitter/id6797138200)

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

**In-app purchases:** none


## Frequently asked questions

### Is urpay free?

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

### Is PayBack | Bill Splitter free?

PayBack | Bill Splitter is free to download, with no in-app purchases.

### Do urpay or PayBack | Bill Splitter have ads?

Neither urpay nor PayBack | Bill Splitter shows ads.

### Which is updated more often, urpay or PayBack | Bill Splitter?

urpay ships an update weekly, and PayBack | Bill Splitter every 2 months. Most recently, urpay was updated on November 14, 2026 and PayBack | Bill Splitter on November 10, 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.*