# PayPal vs UBS TWINT

The clearest difference is ads: UBS TWINT at none against PayPal's shown. UBS TWINT also leads on review sentiment (32% vs 21%). PayPal's advantage is update cadence (weekly vs every 2 months) and ratings volume (6.3M vs 1.7K). On price, rating, in-app purchases and monetization model there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.8 for PayPal against 4.9 for UBS TWINT. That said, the two scores are not equally well evidenced: PayPal has 6.3M ratings behind it against 1.7K, 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 32% of UBS TWINT's.

PayPal ships an update weekly, UBS TWINT every 2 months. The most recent releases landed on October 31, 2026 and October 29, 2026 respectively.

## The numbers

| Metric | PayPal | UBS TWINT |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (6.3M ratings)](https://appshunter.io/ios/app/paypal-pay-send-save/id283646709/reviews) | **[4.9 (1.7K ratings)](https://appshunter.io/ios/app/ubs-twint/id989192632/reviews)** |
| Number of ratings | **6.3M** | 1.7K |
| Positive reviews | 20.7% of reviews | **32.0% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Weekly** | Every 2 months |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Best chart rank | **#5** | — |
| Size | 799 MB | 59 MB |
| Requires iOS | **17.4** | 18.0 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [PayPal, Inc.](https://appshunter.io/developer/283646712) | [UBS AG](https://appshunter.io/developer/369153318) |

## What reviewers say

### PayPal

[App page](https://appshunter.io/ios/app/paypal-pay-send-save/id283646709)

**Currently charting:** #5 Top Free · Finance, #57 Top Free (US App Store)

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:** Safari Extension, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- Account limitations and freezes with unclear reasons
- Issues linking bank accounts and cards
- Problems with refunds and chargebacks

**Requested features**

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


### UBS TWINT

[App page](https://appshunter.io/ios/app/ubs-twint/id989192632)

This app enables secure and convenient mobile payments, allowing users to send and receive money digitally. It facilitates cashless transactions in stores, online, and for services like parking, while also offering features for vouchers, donations, and cash withdrawals.

**Highlights:** Send and receive money digitally, Cashless payments in stores and online, Pay parking fees, Digital vouchers and credit, Donate to charities, Withdraw cash without ATM, Access discount offers

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

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and efficient
- 👍 Easy to use
- 💡 Convenient payment method

**What reviewers complain about**

- 🐛 Buggy and unstable
- 👎 Poor user experience
- 🔒 Restricted to Swiss phone numbers only
- 🔍 Difficult to access contacts

**Reported bugs**

- Unable to save contacts
- Login and transaction failures
- Compatibility issues with older devices

**Requested features**

- Allow access with non-Swiss phone numbers
- Improve contact management
- Optimize app performance
- Enhance interface design


## Frequently asked questions

### Is PayPal free?

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

### Is UBS TWINT free?

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

### Which has better reviews, PayPal or UBS TWINT?

UBS TWINT is rated higher. PayPal averages 4.8 out of 5 from 6.3M ratings, while UBS TWINT averages 4.9 from 1.7K ratings.

### Do PayPal or UBS TWINT have ads?

PayPal shows ads; UBS TWINT does not.

### Which is updated more often, PayPal or UBS TWINT?

PayPal ships an update weekly, and UBS TWINT every 2 months. Most recently, PayPal was updated on October 31, 2026 and UBS TWINT on October 29, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*