# HBZ vs Universal Exchange

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.

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.

## The numbers

| Metric | HBZ | Universal Exchange |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/hbz-wm/id1588028691/reviews)** | — |
| Number of ratings | **1** | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 14 months | **Every 9 days** |
| Monetization | Free | — |
| Size | 40 MB | 82 MB |
| Requires iOS | 17.0 | **13.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [Habib Bank AG Zurich](https://appshunter.io/developer/1235586644) | [Universal Exchange LTD](https://appshunter.io/developer/1788048632) |

## What reviewers say

### HBZ

[App page](https://appshunter.io/ios/app/hbz-wm/id1588028691)

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.

**Highlights:** Asset overview, Custody account performance, Domestic and international payments, Secure messaging to bank, Stock trading

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

**In-app purchases:** none


### Universal Exchange

[App page](https://appshunter.io/ios/app/universal-exchange/id6749697196)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is HBZ free?

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

### Is Universal Exchange free?

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

### Do HBZ or Universal Exchange have ads?

Neither HBZ nor Universal Exchange shows ads.

### Which is updated more often, HBZ or Universal Exchange?

HBZ ships an update every 14 months, and Universal Exchange every 9 days. Most recently, HBZ was updated on November 3, 2026 and Universal Exchange on October 28, 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.*