Comparison

ADCB 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

ADCB

Manage your finances on the go with an enhanced mobile banking experience. This app offers a streamlined interface for payments, transfers, and bill payments, along with features like balance preview and transaction history search. It supports dual language options and helps you locate ATMs and branches.

Highlights
  • Simplified Payments and Transfers
  • Search Payees and Transaction History
  • Dual Language (Arabic/English)
  • Balance Preview
  • Bill Payment
  • Funds Transfer
  • Locate ATMs and Branches
Features
Read full description

Experience more power at your fingertips. Experience the new and improved mobile banking app from ADCB. Enjoy seamless banking on-the-go with the enhanced features combined with an intuitive and user-friendly visual experience. More power at your fingertips - A simplified 'Payments and Transfers' section where you can view your beneficiaries and registered billers all in one screen - Search Payees and Transaction History by name, amount and much more - Dual language option in Arabic and English Plus, you can continue to enjoy these services - Balance Preview - Bill Payment - Funds Transfer - Locate ADCB ATM and Branches If you are a new ADCB Mobile App user or if you are using the app on a new device, register with the following steps: - Download and launch the ADCB Mobile App - When prompted, enter your ADCB Credit Card/Debit Card Number and PIN; enter the activation key that is sent to your registered mobile number - Alternatively, you can enter your ADCB Customer ID and activation key which you can obtain through our Personal Internet Banking or the 24/7 Contact Centre If you are an existing user, you will be prompted to enter your existing ADCB Mobile App password for authentication and biometric re-enrollment (handset dependent).

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

ADCB4 screens
e& money UAE4 screens

Verdict

The call

The clearest difference is ads: ADCB at none against e& money UAE's shown. ADCB also leads on monetization model (free vs free with in-app purchases) and iOS requirement (12.2 vs 15.0). On price, rating, review sentiment and ratings volume 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 — 4.7 for ADCB against 4.7 for e& money UAE. Both are backed by a comparable volume of ratings — 4.9K and 3.2K respectively. Written reviews are what separate them: 41% of ADCB's written reviews are positive against 39% of e& money UAE's.

UpkeepUpdate frequency

ADCB ships an update every 2 weeks, e& money UAE fortnightly. The most recent releases landed on September 24, 2026 and September 22, 2026 respectively.

Scorecard3 real differences · 7 level
ADCB versus e& money UAE: the parameters behind the verdict, then further details
ParameterADCBe& money UAE
PriceFreeFree
Rating4.7 (4.9K ratings)4.7 (3.2K ratings)
Positive reviews40.9% of reviews — better39.0% of reviews
Number of ratings4.9K — better3.2K
Update frequencyEvery 2 weeksFortnightly — better
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPodiPhone, iPod
Requires iOS12.2 — better15.0
Further details — not scored
Size226 MB223 MB
Age rating4+4+
DeveloperADCBEmirates Telecommunications Corporation

Customer experience

ADCB

All ratings4,897 ratings
Positive91.6%
Neutral2.8%
Negative5.6%
Written reviews384 reviews
Positive40.9%
Neutral6.5%
Negative52.6%

e& money UAE

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

User reviews

ADCB

From 4.9K App Store ratings

What we love

  • 🚀 Great services
  • 👍 Easy to use app
  • 🚀 Seamless experience
  • 👍 Excellent customer service
  • 👍 Fantastic app

Room to improve

  • 🐛 Laggy performance
  • 👎 Horrible UX
  • 👎 Outdated app
  • 👎 Buggy and slow
  • 👎 Complicated and non user-friendly

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

ADCB

Reported bugs

5 issues
  • Login issues and active session problems
  • Inability to clear cache and switch accounts
  • Incompatibility with iPhone 15 and iOS 13
  • Freezing and crashing on launch
  • Inconsistent performance and functionality

Requested features

5 requests
  • Ability to redeem touchpoints
  • Improved credit card management
  • Better transaction history and categorization
  • Support for newer devices and iOS versions
  • Streamlined bill payment process

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

ADCB

No in-app purchases

None

e& money UAE

No in-app purchases

Questions

Is ADCB free?
ADCB 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, ADCB or e& money UAE?
ADCB and e& money UAE are both rated 4.7 out of 5 on the App Store, from 4.9K and 3.2K ratings respectively.
Do ADCB or e& money UAE have ads?
e& money UAE shows ads; ADCB does not.
Which is updated more often, ADCB or e& money UAE?
ADCB ships an update every 2 weeks, and e& money UAE fortnightly. Most recently, ADCB was updated on September 24, 2026 and e& money UAE on September 22, 2026.

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