# LumiPAY vs Ubupay

The clearest difference is ads: LumiPAY at none against Ubupay's shown. LumiPAY also leads on iOS requirement (12.0 vs 15.1). On price, update cadence, 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.

LumiPAY ships an update every 6 weeks, Ubupay every 3 weeks. The most recent releases landed on November 3, 2026 and October 28, 2026 respectively.

## The numbers

| Metric | LumiPAY | Ubupay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.0 (6 ratings)](https://appshunter.io/ios/app/lumipay/id1625524783/reviews)** | — |
| Number of ratings | **6** | — |
| Positive reviews | 50.0% of reviews | — |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 6 weeks | **Every 3 weeks** |
| Monetization | Free | — |
| Size | 136 MB | 46 MB |
| Requires iOS | **12.0** | 15.1 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Viettel Burundi](https://appshunter.io/developer/1091902477) | [Ubuntu Financial Inc](https://appshunter.io/developer/1836736406) |

## What reviewers say

### LumiPAY

[App page](https://appshunter.io/ios/app/lumipay/id1625524783)

Manage your finances on the go with this mobile service. Deposit, withdraw, transfer funds, and pay bills conveniently and securely. Access your bank accounts and make digital payments anytime, anywhere.

**Highlights:** Deposit, withdraw, and transfer money, Recharge airtime and data plans, QR code payments, Check account balance, Find nearby agents, Transaction security with OTP

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

**In-app purchases:** none


### Ubupay

[App page](https://appshunter.io/ios/app/ubupay/id6751771549)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is LumiPAY free?

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

### Is Ubupay free?

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

### Do LumiPAY or Ubupay have ads?

Ubupay shows ads; LumiPAY does not.

### Which is updated more often, LumiPAY or Ubupay?

LumiPAY ships an update every 6 weeks, and Ubupay every 3 weeks. Most recently, LumiPAY was updated on November 3, 2026 and Ubupay 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.*