Comparison

Alliance Pay vs Ipoteka Mobile

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

Head to head
About

Alliance Pay

This banking application allows users to access a wide range of financial services online, anytime. Manage accounts, make payments, transfer funds, and even apply for new cards or deposits through a user-friendly interface. It offers features like contactless payments, bill payments with cashback, and secure fund transfers.

Highlights
  • Online identification
  • Widget customization
  • Push notifications
  • Payment for 600+ services
  • Cashback on utility payments
  • Contactless payments (HumoPay)
  • Fund transfers (P2P, SWIFT)
  • Online card and deposit applications
Features
Read full description

Alliance Pay – это новое мобильное приложение от АКБ «ASIA ALLIANCE BANK», с помощью которого клиенты банка могут получать широкий спектр банковских услуг в любое время суток, в режиме онлайн. В новом приложении вы сможете: - Проходить онлайн идентификацию; - Настраивать виджеты на главном экране; - Получать Push-уведомления об услугах и операциях; - Отслеживать в мониторинге свои операции; - Производить оплату более 600 поставщиков услуг; - Оплачивать коммунальные услуги, ТВ, мобильную связь и интернет, получая при этом кешбэк на свой кошелек до 1%; - Оплачивать налоги и другие платежей в бюджет; - Контролировать свои платежи по коммунальным и прочим выплатам через функцию «Мой дом»; - Получать выписку по своим счетам; - Производить бесконтактные оплаты HumoPay; - Создавать шаблоны; - Настраивать «автоплатежи»; - Переводить денежные средства по реквизитам; - Переводить деньги в национальной валюте между банковскими картами (P2P); - Переводить деньги между любыми картами банка АКБ «ASIA ALLIANCE BANK» – без комиссий; - Переводить деньги с карт HUMO любого банка на карты HUMO любого банка – без комиссий; - Переводить деньги в иностранной валюте между международными пластиковыми картами VISA/MASTERCARD, открытыми в АКБ «ASIA ALLIANCE BANK»; - Отправлять переводы по системе SWIFT; - Получать международные денежные переводы; - Погашать задолженности по кредитам; - Осуществлять конвертацию и кросс-конвертацию; - Заказывать карты онлайн; - Размещать онлайн денежные средства во вклады; - Открывать депозиты до востребования онлайн; - Связываться с представителями банка с помощью раздела «Чат». - Получать информацию по кредитам, полученным в АКБ «ASIA ALLIANCE BANK»; - Получать информацию по вкладам, открытым в АКБ «ASIA ALLIANCE BANK»; - Получать информацию по пластиковым картам, эмитированным в АКБ «ASIA ALLIANCE BANK»; - Получать информации о дисклокациях филиалов, ЦБУ, обменных пунктов, АДМ, инфокиосков и банкоматов АКБ «ASIA ALLIANCE BANK», а также их режима работы; - Просматривать курсы валют; Для связи с нами: Наш сайт: https://aab.uz/uz/ Наш Telegram-канал: https://t.me/asialliancebank Наша страница в Инстаграм: https://www.instagram.com/asia_alliance_bank Наша страница в Facebook: https://www.facebook.com/AsiaAllianceBank Наши контактные телефоны: (+998)71 231 60 00, 1270.

About

Ipoteka Mobile

Manage your finances with a secure and modern banking service. Perform instant transfers, apply for loans, exchange currency, and pay bills anytime. Offers full control over accounts and cards with biometric login.

Highlights
  • 0% commission P2P transfers
  • Instant cash loan applications
  • Favorable currency exchange
  • Full account and card control
  • Secure biometric login
  • 24/7 utility and service payments
Features
Read full description

Ipoteka Mobile is your fast, secure, and modern banking service. Manage your finances effortlessly with the official Ipoteka Bank mobile app. Make everyday banking simple—from instant transfers to smart financial tools—all in one place. Key Features - P2P transfers with 0% commission Instantly send money to any card—commission-free. - Instant cash loans Apply for cash loans directly in the app and get quick approval without visiting a branch. - Favorable currency exchange Exchange US dollars and sums at a favorable rate—with 0% markup. - Full control over your accounts Track your balance, view transaction history, manage your cards, and control your spending. - Secure login and payments Biometrics, PIN code, and multi-level security ensure the safety of your money. - 24/7 payments and services Pay for utilities, mobile phone, internet, and much more – anytime. Why customers choose Ipoteka Mobile * Modern and intuitive interface * Quick registration in just a few steps * High level of security and encryption * Regular updates and new features * Reliable support from one of Uzbekistan's leading banks Your banking. Your rules. Download Ipoteka Mobile today and manage your finances with confidence.

Screenshots

Alliance Pay4 screens
Ipoteka Mobile4 screens

Verdict

The call

The clearest difference is monetization model: Alliance Pay at free against Ipoteka Mobile's ad-supported. Alliance Pay also leads on update cadence (every 2 weeks vs every 4 weeks) and ratings volume (28 vs 5). On price, rating, ads and in-app purchases 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 — 3.1 for Alliance Pay against 3.2 for Ipoteka Mobile. That said, the two scores are not equally well evidenced: Alliance Pay has 28 ratings behind it against 5, so its average is the more settled of the two. Written reviews are what separate them: 9% of Alliance Pay's written reviews are positive against 0% of Ipoteka Mobile's.

UpkeepUpdate frequency

Alliance Pay ships an update every 2 weeks, Ipoteka Mobile every 4 weeks. The most recent releases landed on November 7, 2026 and November 4, 2026 respectively.

Scorecard5 real differences · 5 level
Alliance Pay versus Ipoteka Mobile: the parameters behind the verdict, then further details
ParameterAlliance PayIpoteka Mobile
PriceFreeFree
Rating3.1 (28 ratings)3.2 (5 ratings) — better
Positive reviews9.1% of reviews — better0.0% of reviews
Number of ratings28 — better5
Update frequencyEvery 2 weeks — betterEvery 4 weeks
AdsYesYes
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPod — betteriPhone
Requires iOS15.6 — better17.2
Further details — not scored
Size252 MB115 MB
Age rating12+17+
DeveloperАКБ "ASIA ALLIANCE BANK"IPOTEKA-BANK ATIB

Customer experience

Alliance Pay

All ratings28 ratings
Positive46.4%
Neutral7.1%
Negative46.4%
Written reviews33 reviews
Positive9.1%
Neutral6.1%
Negative84.8%

Ipoteka Mobile

All ratings5 ratings
Positive40.0%
Neutral20.0%
Negative40.0%
Written reviews1 reviews
Positive0.0%
Neutral100.0%
Negative0.0%

In-app purchases

None

Alliance Pay

No in-app purchases

None

Ipoteka Mobile

No in-app purchases

Questions

Is Alliance Pay free?
Alliance Pay is free to download, with no in-app purchases.
Is Ipoteka Mobile free?
Ipoteka Mobile is free to download, with no in-app purchases.
Which has better reviews, Alliance Pay or Ipoteka Mobile?
Ipoteka Mobile is rated higher. Alliance Pay averages 3.1 out of 5 from 28 ratings, while Ipoteka Mobile averages 3.2 from 5 ratings.
Do Alliance Pay or Ipoteka Mobile have ads?
Both Alliance Pay and Ipoteka Mobile show ads.
Which is updated more often, Alliance Pay or Ipoteka Mobile?
Alliance Pay ships an update every 2 weeks, and Ipoteka Mobile every 4 weeks. Most recently, Alliance Pay was updated on November 7, 2026 and Ipoteka Mobile on November 4, 2026.

Other comparisons