# Cypher Wallet vs UPay Wallet

The clearest difference is rating: Cypher Wallet at 4.2 against UPay Wallet's 2.6. Cypher Wallet also leads on review sentiment (76% vs 55%) and update cadence (every 10 days vs every 6 weeks). UPay Wallet's advantage is monetization model (free vs freemium). 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.

Cypher Wallet holds the better App Store score, 4.2 against 2.6. Both are backed by a comparable volume of ratings — 30 and 7 respectively. Written reviews point the same way: 76% of Cypher Wallet's written reviews are positive against 55% of UPay Wallet's.

Cypher Wallet ships an update every 10 days, UPay Wallet every 6 weeks. The most recent releases landed on October 30, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | Cypher Wallet | UPay Wallet |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.2 (30 ratings)](https://appshunter.io/ios/app/cypher-wallet/id1604120414/reviews)** | [2.6 (7 ratings)](https://appshunter.io/ios/app/upay-wallet/id6745806643/reviews) |
| Number of ratings | **30** | 7 |
| Positive reviews | **76.4% of reviews** | 54.5% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 10 days** | Every 6 weeks |
| Monetization | Freemium | **Free** |
| Size | 104 MB | 164 MB |
| Requires iOS | **15.1** | 16.6 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 17+ | 17+ |
| Developer | [CypherD Wallet Inc](https://appshunter.io/developer/1604120416) | [UPay Technology LTD.](https://appshunter.io/developer/1726104478) |

## What reviewers say

### Cypher Wallet

[App page](https://appshunter.io/ios/app/cypher-wallet/id1604120414)

This app allows you to spend your cryptocurrency like cash globally using a virtual or physical card. It supports multiple blockchains and offers instant integration with Apple Pay and Google Pay. You maintain full control of your funds with a non-custodial wallet.

**Highlights:** Spend crypto like cash globally, Zero-fee crypto card, Non-custodial wallet, Multi-chain support (15+ blockchains), Instant Apple Pay & Google Pay compatibility, Virtual and physical card options, Global ATM cash withdrawal

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

**In-app purchases:** none


### UPay Wallet

[App page](https://appshunter.io/ios/app/upay-wallet/id6745806643)

This comprehensive digital finance platform merges cryptocurrency with traditional banking services. It offers a secure, intuitive Web3 wallet, multi-currency crypto cards, and global currency exchange. The app also provides flexible crypto finance solutions for financial growth and borderless remittance services.

**Highlights:** Web3 Wallet supporting major cryptocurrencies, Multi-currency crypto cards, Global currency exchange, Crypto-to-fiat conversion, Yield-generating crypto finance solutions, Borderless remittance service, Integration with Apple Pay and Google Pay

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

**In-app purchases:** none


## Frequently asked questions

### Is Cypher Wallet free?

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

### Is UPay Wallet free?

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

### Which has better reviews, Cypher Wallet or UPay Wallet?

Cypher Wallet is rated higher. Cypher Wallet averages 4.2 out of 5 from 30 ratings, while UPay Wallet averages 2.6 from 7 ratings.

### Do Cypher Wallet or UPay Wallet have ads?

Neither Cypher Wallet nor UPay Wallet shows ads.

### Which is updated more often, Cypher Wallet or UPay Wallet?

Cypher Wallet ships an update every 10 days, and UPay Wallet every 6 weeks. Most recently, Cypher Wallet was updated on October 30, 2026 and UPay Wallet on October 24, 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.*