# Trastpay vs Universalbank

The clearest difference is rating: Universalbank at 5.0 against Trastpay's 4.6. Trastpay's advantage is ratings volume (92 vs 2). On price, update cadence, ads and in-app purchases there is nothing between them.

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

Universalbank holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: Trastpay has 92 ratings behind it against 2, so its average is the more settled of the two.

Trastpay ships an update every 2 weeks, Universalbank fortnightly. Both last shipped on October 24, 2026.

## The numbers

| Metric | Trastpay | Universalbank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (92 ratings)](https://appshunter.io/ios/app/trastpay/id6443658536/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/universalbank/id6453759395/reviews)** |
| Number of ratings | **92** | 2 |
| Positive reviews | 25.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Fortnightly** |
| Monetization | Free | Free |
| Size | 168 MB | 134 MB |
| Requires iOS | 15.5 | **15** |
| Devices | iPhone, iPod | **iPhone, iPod, Apple Watch** |
| Age rating | 12+ | 4+ |
| Developer | [JOINT-STOCK EXCHANGE BANK TRUSTBANK](https://appshunter.io/developer/1383612187) | [Universalbank](https://appshunter.io/developer/1269199067) |

## What reviewers say

### Trastpay

[App page](https://appshunter.io/ios/app/trastpay/id6443658536)

Manage your finances with a modern, secure app. Perform instant card-to-card transfers, apply for microloans, manage deposits, convert currencies, and pay bills with cashback rewards. Remote identification and e-wallet features are also available.

**Highlights:** Card-to-card transfers, Online microloans, Flexible deposits, Currency conversion, Utility bill payments, Cashback rewards, Remote identification

**Features:** Vision Pro support

**In-app purchases:** none


### Universalbank

[App page](https://appshunter.io/ios/app/universalbank/id6453759395)

Manage your personal banking remotely with this official mobile system. Perform transactions, view account details, make payments for various services, and track loans and deposits.

**Highlights:** Account balance and transaction history, Fund transfers between accounts, Loan and deposit information, Retail and utility service payments, Mobile and internet service payments, Currency exchange rates, Bank announcements and newsletters

**Features:** macOS Compatibility, Apple Watch app, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Trastpay free?

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

### Is Universalbank free?

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

### Which has better reviews, Trastpay or Universalbank?

Universalbank is rated higher. Trastpay averages 4.6 out of 5 from 92 ratings, while Universalbank averages 5.0 from 2 ratings.

### Do Trastpay or Universalbank have ads?

Neither Trastpay nor Universalbank shows ads.

### Which is updated more often, Trastpay or Universalbank?

Trastpay ships an update every 2 weeks, and Universalbank fortnightly. Most recently, Trastpay was updated on October 24, 2026 and Universalbank on October 24, 2026.

---

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