# UZMI vs XPay

The clearest difference is update cadence: UZMI at every 4 days against XPay's every 2 weeks. XPay's advantage is iOS requirement (13.0 vs 15.1). 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.

UZMI ships an update every 4 days, XPay every 2 weeks. The most recent releases landed on September 26, 2026 and October 16, 2026 respectively.

## The numbers

| Metric | UZMI | XPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (1 ratings)](https://appshunter.io/ios/app/xpay/id6737283279/reviews)** |
| Number of ratings | — | **1** |
| Positive reviews | 75.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 4 days** | Every 2 weeks |
| Monetization | Free | Free |
| Size | 51 MB | 39 MB |
| Requires iOS | 15.1 | **13.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [UZMI Bank](https://appshunter.io/developer/1760775413) | [2M INSTITUICAO DE PAGAMENTOS SA](https://appshunter.io/developer/1731149355) |

## What reviewers say

### UZMI

[App page](https://appshunter.io/ios/app/uzmi/id6599855503)

This app allows users to pay bills and consumption accounts. It also facilitates sending and receiving TED transfers, a common Brazilian bank transfer method. Manage your finances conveniently on your mobile device.

**Highlights:** Pay bills, Pay consumption accounts, Send TED transfers, Receive TED transfers, Financial management

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### XPay

[App page](https://appshunter.io/ios/app/xpay/id6737283279)

This fintech platform offers innovative payment solutions tailored for Brazilian entrepreneurs. It provides personalized payment methods and is expanding its reach nationwide with new products for an intuitive user experience.

**Highlights:** Innovative payment solutions, Personalized payment methods, Nationwide presence, New product launches, Intuitive user experience

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is UZMI free?

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

### Is XPay free?

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

### Do UZMI or XPay have ads?

Neither UZMI nor XPay shows ads.

### Which is updated more often, UZMI or XPay?

UZMI ships an update every 4 days, and XPay every 2 weeks. Most recently, UZMI was updated on September 26, 2026 and XPay on October 16, 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.*