# KIB Mobile vs UPayments

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.

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

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.

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

## The numbers

| Metric | KIB Mobile | UPayments |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.5 (3K ratings)](https://appshunter.io/ios/app/kib-mobile/id409840829/reviews) | **[4.7 (435 ratings)](https://appshunter.io/ios/app/upayments/id1311356029/reviews)** |
| Number of ratings | **3K** | 435 |
| Positive reviews | 45.3% of reviews | **70.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 9 days** | Monthly |
| Monetization | Free | Free |
| Size | 244 MB | 69 MB |
| Requires iOS | 15.0 | **13.4** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Kuwait International Bank](https://appshunter.io/developer/409763762) | [UPAYMENTS COMPANY W.L.L.](https://appshunter.io/developer/1105915026) |

## What reviewers say

### KIB Mobile

[App page](https://appshunter.io/ios/app/kib-mobile/id409840829)

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:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Excellent app features
- 🚀 Smooth and fast performance
- 💡 Great app transformation and updates

**What reviewers complain about**

- 🐛 Frequent crashes and bugs
- ⏱️ Slow loading and unresponsive at times
- 🔍 Lack of search functionality in transaction history

**Reported bugs**

- Net worth feature not loading
- Deposit opening error after OTP
- Login freezing and not working

**Requested features**

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


### UPayments

[App page](https://appshunter.io/ios/app/upayments/id1311356029)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


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