Comparison

KIB Mobile vs UPayments

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

Head to head
About

KIB Mobile

Manage all your banking needs in one place with an intuitive interface. Track accounts, cards, and investments, make payments, and split bills effortlessly. Enjoy proactive services and a rewarding loyalty program.

Highlights
  • Unified account, card, and investment dashboard
  • Proactive and customizable financial services
  • KIBPay for seamless payments and bill splitting
  • Kuwait's best rewards program with points redemption
  • Full visibility and control over loans and finances
Features
Read full description

**Introducing the all-new, revolutionary KIB retail mobile application**, designed to bring you a seamless banking experience like never before. Get ready to embark on a journey of unparalleled convenience, where managing your finances becomes effortless and intuitive. With our new app, we have reimagined every aspect to provide you with a seamless experience that puts banking at your fingertips. Say goodbye to the days of complex interfaces and disjointed services. Our enhanced usability and intuitive design ensure that everything you need is easily accessible, giving you complete control over your financial world. --- **One of the standout features of our app** is the ability to manage your accounts, cards, and investments all in one place. Our unified dashboard provides a comprehensive overview of your financial portfolio, empowering you to make informed decisions with ease. From monitoring transactions to analyzing your investments, it's all conveniently consolidated for your convenience. --- But that's not all — we understand the value of your time. That's why we have implemented proactive and customizable services to save you precious minutes in your busy day. From smart notifications that keep you updated on your account activity to personalized recommendations tailored to your financial goals, our app goes above and beyond to simplify your financial journey. --- **Our innovative KIBPay service** revolutionizes the way you handle payments, top-ups, and bill splitting. Imagine the convenience of making payments seamlessly, transferring funds effortlessly, and even splitting bills among friends or family members with just a few taps. It's a game-changer that brings unparalleled ease and efficiency to your financial transactions. --- **And if you love rewards, you're in for a treat.** Join the best rewards program in Kuwait and unlock a world of exclusive benefits. Earn points with every interaction and transaction, and then redeem them for exciting vouchers, products, or unforgettable travel experiences. It's our way of showing appreciation for your loyalty and giving back to you, our valued customer. --- But it doesn't end there. We believe in providing you with full visibility and control over your financing. With our app, you gain complete insight into your loans and finances. Say goodbye to guesswork and hello to instant access to information. Take immediate action on your financing — whether it's viewing details, making payments, or managing your repayment schedule. It's all right at your fingertips, empowering you to make smart financial choices. --- **The new KIB retail app is the epitome of simplicity and sophistication.** We have crafted an experience that seamlessly blends powerful features with an elegant user interface. Every detail has been meticulously designed to offer you a delightful and intuitive banking experience. --- **Ready to embark on your seamless banking journey?** Download the new KIB retail app today and witness the future of banking unfold in the palm of your hand. Simplify your finances, save time, and experience banking reimagined. --- ### Features Description: **Service Features:** * Account Balance & Transaction History * Cheque Book Request * Report Lost/Stolen or Damaged Card * Credit Card Payment, Details & Transaction History * Prepaid Cards Payment, Details & Transaction History * Finance Account Details * Investment Account Details * Funds Transfers: Between Own Account, Within KIB, Local & International Bank Transfers --- **For general inquiries & support**, please contact us at KIB Contact Center at **1866866**, and we will be glad to answer any questions you may have. --- ### Safety & Security: This service is safe and protected by **256-bit encryption**, the same also used in KIB Online service.

About

UPayments

This app offers a comprehensive fintech solution for merchants, enabling them to manage finances, create custom online stores, track sales, and process payments. It also includes features for managing bookings, deliveries, and multiple store branches.

Highlights
  • Invoice creation
  • Real-time balance and revenue tracking
  • Customizable online store creation
  • Sales dashboard and analytics
  • Multiple payment method integration
  • Discount and coupon management
  • Delivery and booking management
Features
Read full description

Introducing “UPayments” mobile app, the ultimate fintech solution tailored for savvy merchants like you! With our feature-packed app, staying on top of your finances has never been easier! Say goodbye to cumbersome spreadsheets or messy notebooks and hello to streamlined financial management. Create invoices effortlessly and keep track of your balance and revenue in real-time. Know exactly where your business stands and make data-driven decisions to boost your profits. But that's not all! We believe in giving you full control over your business, which is why we've included powerful tools to help you in your store creation. Customize every aspect of your UStore to match your brand's personality and captivate your customers. From the sleek Design to the Product Category organization, you'll have it all covered. Want to keep an eye on your business's performance? The Dashboard and Analytics & Tracking modules have got you covered. Track sales, monitor trends, and identify growth opportunities with ease. Oh, and let's not forget about the Payment Methods module, ensuring you never miss a beat when it comes to getting paid! Choose from various payment methods that suit your customers best. Ready to roll out some enticing deals or you see an event that you wanna take advantage of? The Discounts & Coupons feature allows you to create irresistible promotions that'll keep your customers coming back for more. Worried about the logistics? We will handle that for you! The Apps module empowers you to integrate third-party tools and services seamlessly, enhancing your business's efficiency. Meanwhile, the Delivery module ensures a streamlined process for managing orders and timely deliveries, keeping your customers satisfied and coming back for more.We integrate you with the top-notch delivery partners to do the work for you. With the Bookings module, managing appointments and reservations becomes an easy process. Easily schedule and organize bookings, providing your customers with a hassle-free experience that keeps your calendar optimized. The Branches feature allows you to keep track of multiple locations, manage inventory efficiently, and ensure consistent service across all branches. In your store Settings, you have a powerful control center for customizing every aspect of your UStore effortlessly! With the power to toggle on and off various buttons, you have the freedom to enable or disable a huge number of options that suit your business needs. The UStore Settings put you in the driver's seat, ensuring a tailored and seamless shopping experience for your customers. In a nutshell, the “UPayments” mobile app empowers you with all the fintech tools you need to thrive in the competitive market. So, what are you waiting for? Download the app now and take charge of your financial success like never before!

Screenshots

KIB Mobile4 screens
UPayments4 screens

Verdict

The call

The clearest difference is review sentiment: UPayments at 70% against KIB Mobile's 45%. UPayments also leads on rating (4.7 vs 4.5) and iOS requirement (13.4 vs 15.0). KIB Mobile's advantage is update cadence (every 9 days vs monthly) and ratings volume (3K vs 435). On price, ads, in-app purchases and monetization model 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

UPayments holds the better App Store score, 4.7 against 4.5. That said, the two scores are not equally well evidenced: KIB Mobile has 3K ratings behind it against 435, so its average is the more settled of the two. Written reviews point the same way: 45% of KIB Mobile's written reviews are positive against 70% of UPayments's.

UpkeepUpdate frequency

KIB Mobile ships an update every 9 days, UPayments monthly. The most recent releases landed on September 13, 2026 and September 23, 2026 respectively.

Scorecard5 real differences · 5 level
KIB Mobile versus UPayments: the parameters behind the verdict, then further details
ParameterKIB MobileUPayments
PriceFreeFree
Rating4.5 (3K ratings)4.7 (435 ratings) — better
Positive reviews45.3% of reviews70.0% of reviews — better
Number of ratings3K — better435
Update frequencyEvery 9 days — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.013.4 — better
Further details — not scored
Size244 MB69 MB
Age rating4+4+
DeveloperKuwait International BankUPAYMENTS COMPANY W.L.L.

Customer experience

KIB Mobile

All ratings3,046 ratings
Positive87.8%
Neutral2.7%
Negative9.6%
Written reviews64 reviews
Positive45.3%
Neutral3.1%
Negative51.6%

UPayments

All ratings435 ratings
Positive90.6%
Neutral3.2%
Negative6.2%
Written reviews10 reviews
Positive70.0%
Neutral10.0%
Negative20.0%

Bugs and requests

KIB Mobile

Reported bugs

3 issues
  • Net worth feature not loading
  • Deposit opening error after OTP
  • Login freezing and not working

Requested features

3 requests
  • Add ability to close deposits online
  • Improve readability of dark mode
  • Allow moving and rearranging of widgets

UPayments

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

KIB Mobile

No in-app purchases

None

UPayments

No in-app purchases

Questions

Is KIB Mobile free?
KIB Mobile is free to download, with no in-app purchases.
Is UPayments free?
UPayments is free to download, with no in-app purchases.
Which has better reviews, KIB Mobile or UPayments?
UPayments is rated higher. KIB Mobile averages 4.5 out of 5 from 3K ratings, while UPayments averages 4.7 from 435 ratings.
Do KIB Mobile or UPayments have ads?
Neither KIB Mobile nor UPayments shows ads.
Which is updated more often, KIB Mobile or UPayments?
KIB Mobile ships an update every 9 days, and UPayments monthly. Most recently, KIB Mobile was updated on September 13, 2026 and UPayments on September 23, 2026.

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