HBZ vs Universal Exchange
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
HBZ
Manage all your banking needs in one place, including viewing account assets, custody positions, and making domestic and international payments. Securely message your bank and trade stocks directly within the app.
- Asset overview
- Custody account performance
- Domestic and international payments
- Secure messaging to bank
- Stock trading
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The HBZ WM Mobile Banking App allows you to do all of your Banking Transactions in one place. The salient features include: - Asset Overview - overview of all accounts mapped to a login. - Custody Accounts - allows individuals to see the performance of each position held. - Payments - Make domestic and international payment orders including account transfers. - Messages - Sending secure messages to the Bank. - Trading - Trading of Stocks (Equities).
Universal Exchange
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Send money to your loved one quickly and easily, at the lowest possible cost with Universal Exchange Ltd. And always get the real exchange rate. Universal Exchange Ltd are using the real exchange rate to help expats, foreign students, businesses, freelancers and people living international lives to send, receive, and spend money securely, conveniently, and at a very low cost. · Send money to Asia, Europe, and Africa · Register for free, and you will be able to send money abroad. . Download our app for free from the store. · Spend abroad, stress-free with 0% commission. · Trusted by Thousands — just look us up on internet to see our happy reviews. . Universal Exchange Ltd is fully regulated, so your money’s safe and secure. Using Universal Exchange Ltd to: - You can send money to a your loved one abroad. - You can send money to a friend - You Pay a bill in abroad. - Pay off your mortgage or loan abroad in any currency EUR, USD, GBP, AED. - Get paid in multiple currencies (EUR, GBP, AED, USD, PKR, AFN), with no hidden fee.
Screenshots
Verdict
The clearest difference is update cadence: Universal Exchange at every 9 days against HBZ's every 14 months. Universal Exchange also leads on iOS requirement (13.0 vs 17.0). On price, ads, in-app purchases and device support 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.
HBZ ships an update every 14 months, Universal Exchange every 9 days. The most recent releases landed on November 3, 2026 and October 28, 2026 respectively.
| Parameter | HBZ | Universal Exchange |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) — better | — |
| Number of ratings | 1 — better | — |
| Update frequency | Every 14 months | Every 9 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 17.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 40 MB | 82 MB |
| Age rating | 4+ | 17+ |
| Developer | Habib Bank AG Zurich | Universal Exchange LTD |
In-app purchases
HBZ
No in-app purchases
Universal Exchange
No in-app purchases
Questions
Is HBZ free?
Is Universal Exchange free?
Do HBZ or Universal Exchange have ads?
Which is updated more often, HBZ or Universal Exchange?
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