Comparison

PayPal vs e& money UAE

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

PayPal

Manage your finances with a secure app for online and in-store shopping, sending money globally, and earning cash back. It also offers savings accounts, cryptocurrency trading, and package tracking.

Highlights
  • Send and receive money globally
  • Earn cash back offers
  • Request a debit card
  • Buy, sell, and hold cryptocurrency
  • High-yield savings accounts
  • Track packages
Features
Read full description

PayPal is a smart way to securely shop in-store and online, earn rewards points on brands you love, send money and much more.​ SHOP WITH PURCHASE PROTECTION Get built-in protection before and after you buy, with support when something doesn't go as planned. *PayPal Purchase Protection is available on eligible transactions. See terms and limitations: https://www.paypal.com/us/legalhub/paypal/buyer-protection​ EARN POINTS ON EVERYDAY PURCHASES WITH THE PAYPAL DEBIT CARD   Choose a monthly category and earn 5% back in rewards points on up to $1000 spend/month. Terms apply: http://paypal.com/rewardspal  No monthly fees. The PayPal Debit Mastercard® is issued by The Bancorp Bank N.A. ("The Bancorp"), pursuant to a license by Mastercard International Incorporated and may be used everywhere Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. The Bancorp is issuer of the Card only and not responsible for the associated accounts or other products, services, or offers from PayPal. PayPal is a financial technology company, not a bank. The Card is linked to your PayPal Balance account. See PayPal Balance Terms and Conditions: https://www.paypal.com/us/legalhub/pp-balance-tnc#holding​ SEND AND REQUEST MONEY, SECURELY & IN SECONDS Send money fast within the US and internationally to 110+ countries. Encrypted payments help keep financial details private and secure.​ BUY NOW PAY LATER In store single-use card is valid for one purchase and must be used within 24 hours of loan approval. *Pay in 4 is available upon approval for purchases of $10 - $2000 and is currently not available to residents of MO. 18 years old or older to apply. The lender for Pay in 4 is PayPal, Inc. (NMLS #910457).  Loans to CA residents are made or arranged pursuant to a CA Financing Law License. RI Small Loan Lender Licensee. NM residents: Go to paypal.com/us/webapps/mpp/campaigns/newmexicodisclosure. Learn more at paypal.com/payin4. TRACK YOUR PACKAGES View orders and delivery status until they arrive safely at your door. Not all sellers are participants.​   MANAGE YOUR SUBSCRIPTION ALL IN ONE APP The easy way to link and track all your subscriptions. ALL YOUR MONEY AND TRANSACTIONS IN ONE PLACE The new Me Tab lets you navigate your money, accounts, and settings right where you’d expect them. PayPal 2211 N 1st St San Jose, CA 95131

About

e& money UAE

This digital wallet app, licensed by the Central Bank of UAE, offers a comprehensive suite of financial services. Easily manage payments, send money internationally and locally, pay bills, and top up cards. It also provides a rewarding prepaid card with cash back rewards.

Highlights
  • Fee-free digital wallet
  • Rewarding prepaid card with 1% cash back
  • International and local money transfers
  • Bill payments and top-ups
  • Gifting options
  • Add money via debit card, bank account, or Apple Pay
Features
Read full description

Introducing e& money - Your Ultimate Financial Super App! Experience the power of e& money, a fully-owned e& brand and the first digital wallet licensed by the Central Bank of UAE. As the fintech arm of e& life, e& money is set to revolutionize your financial journey with our cutting-edge financial super app marketplace. Look no further, for you've found the best finance application. Our mission is to empower UAE citizens and residents with seamless payment solutions that are quick and hassle-free. With just your Emirates ID and mobile number, you gain access to a wide array of financial services within a single application. From a rewarding prepaid card, international and local money transfers to merchant payments, bill settlements, gifting, and beyond, e& money has you covered! Join us today with a simple registration process: 1. Enter your mobile number 2. Upload your Emirates ID 3. Take a selfie 4. Provide your email ID 5. Set your PIN - and you're all set! Discover the boundless possibilities with e& money: 1. e& money account: - Experience a fee-free wallet with no charges - Instantly obtain your e& money card - No minimum balance requirement 2. Rewarding e& money card: - Get your digital and physical e& money card - Earn 1% cash rewards on every card transaction - Seamlessly add to Apple Pay, Google and Samsung Wallet 3. Conveniently Add Money: - Link your UAE issued debit card, bank account, or use Apple Pay - Load money instantly from the comfort of your home 4. International Money Transfers: - Securely transfer money to over 200 countries - Choose from various options like bank transfers, cash pick-up, and wallet transfer 5. Local Money Transfers: - Effortlessly send money to your friends with just their mobile number - Forget the hassle of withdrawing money every time you need to pay your domestic help. Just enter their mobile number and transfer is done instantly - Send money directly to bank account 6. Bill Payments and Top Ups: - Pay your bills with a single tap (phone, electricity, etc.) - Easily top up Salik, Nol cards, and more 7. Thoughtful Gifting: - Send love to your loved ones with our gifting feature - Select from a range of gift cards and cash gift options At e& money, we're dedicated to covering all your payment needs and more. Your feedback and ideas matter to us; please feel free to reach us at 800-392-5538.

Screenshots

PayPal4 screens
e& money UAE4 screens

Verdict

The call

The clearest difference is ratings volume: PayPal at 6.3M against e& money UAE's 3.2K. PayPal also leads on chart position (#4 vs unranked) and update cadence (weekly vs fortnightly). e& money UAE's advantage is review sentiment (39% vs 21%) and iOS requirement (15.0 vs 17.4). On price, rating, ads and in-app purchases 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.8 for PayPal against 4.7 for e& money UAE. That said, the two scores are not equally well evidenced: PayPal has 6.3M ratings behind it against 3.2K, so its average is the more settled of the two. Written reviews are what separate them: 21% of PayPal's written reviews are positive against 39% of e& money UAE's.

UpkeepUpdate frequency

PayPal ships an update weekly, e& money UAE fortnightly. The most recent releases landed on September 24, 2026 and September 22, 2026 respectively.

Scorecard5 real differences · 6 level
PayPal versus e& money UAE: the parameters behind the verdict, then further details
ParameterPayPale& money UAE
PriceFreeFree
Rating4.8 (6.3M ratings) — better4.7 (3.2K ratings)
Positive reviews21.4% of reviews39.0% of reviews — better
Number of ratings6.3M — better3.2K
Update frequencyWeekly — betterFortnightly
AdsYesYes
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree with in-app purchases
Best chart rank#4 — better—
DevicesiPhoneiPhone, iPod — better
Requires iOS17.415.0 — better
Further details — not scored
Size767 MB223 MB
Age rating4+4+
DeveloperPayPal, Inc.Emirates Telecommunications Corporation

Customer experience

PayPal

All ratings6,298,685 ratings
Positive95.2%
Neutral1.8%
Negative3.0%
Written reviews5,622 reviews
Positive21.4%
Neutral5.1%
Negative73.4%

e& money UAE

All ratings3,158 ratings
Positive91.0%
Neutral2.8%
Negative6.1%
Written reviews277 reviews
Positive39.0%
Neutral2.9%
Negative58.1%

User reviews

PayPal

From 6.3M App Store ratings

What we love

  • 🚀 Extremely effective and reliable crypto recovery service
  • 🔒 Secure payment processing
  • 💰 Convenient way to send and receive money
  • 👍 Easy to use app with simple interface

Room to improve

  • 🐛 Inconsistent customer support responses
  • 🕰️ Slow money transfer times
  • 💳 Holds on funds for new accounts
  • 🤖 Overly automated with lack of human interaction

e& money UAE

From 3.2K App Store ratings

What we love

  • 🚀 Fast money transfer
  • 💡 Efficient and versatile service
  • 👍 Easy to use and intuitive app

Room to improve

  • 🐛 Unreliable service and delayed refunds
  • ⏱️ Slow processing times
  • 🤖 Poor customer service and lack of responsiveness
  • 🔒 Security and registration issues

Bugs and requests

PayPal

Reported bugs

3 issues
  • Account limitations and freezes with unclear reasons
  • Issues linking bank accounts and cards
  • Problems with refunds and chargebacks

Requested features

4 requests
  • Faster money transfers
  • More transparent policies and fees
  • Improved dispute resolution process
  • Better customer service accessibility

e& money UAE

Reported bugs

3 issues
  • Registration process issues, including problems with Emirates ID scanning
  • Delayed or failed money transfers
  • Inconsistent app performance and crashes

Requested features

4 requests
  • Reduce processing time for refunds and transfers
  • Improve customer service and responsiveness
  • Enhance security and registration process
  • Support for more payment methods and currencies

In-app purchases

None

PayPal

No in-app purchases

None

e& money UAE

No in-app purchases

Questions

Is PayPal free?
PayPal is free to download, with no in-app purchases.
Is e& money UAE free?
e& money UAE is free to download, with no in-app purchases.
Which has better reviews, PayPal or e& money UAE?
PayPal is rated higher. PayPal averages 4.8 out of 5 from 6.3M ratings, while e& money UAE averages 4.7 from 3.2K ratings.
Do PayPal or e& money UAE have ads?
Both PayPal and e& money UAE show ads.
Which is updated more often, PayPal or e& money UAE?
PayPal ships an update weekly, and e& money UAE fortnightly. Most recently, PayPal was updated on September 24, 2026 and e& money UAE on September 22, 2026.

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