Comparison

Pay10 UAE vs UP by CBD

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

Head to head
About

Pay10 UAE

Easily send and receive money with contacts, link to your UAE bank account for seamless payments, and shop with your digital wallet. Securely pay by scanning QR codes and track your spending with real-time notifications.

Highlights
  • Send and receive money
  • Link UAE bank account
  • Shop with digital wallet
  • QR code payments
  • Real-time notifications
  • Spending tracking
Features
Read full description

Send and receive money with a quick tap from your Pay10 contacts. Link Pay10 wallet to your UAE bank account for seamless payments and enjoy new Open Finance experience. Shop for your favorite brands with your Pay10 Wallet, instore and online. Simply scan the QR code for secure and easy payments. No manual data entry. No errors. Get real-time notifications and track your spending your way. Download Pay10 today and take charge of your digital payments! Pay Ten Payment Services Provider LLC (Pay10) is an authorized Open Finance Third-Party Provider, licensed and regulated by the Central Bank of the UAE.

About

UP by CBD

This mobile banking app offers UAE businesses a fast and compliant way to manage finances. Open an account in minutes, get instant credit cards, and handle payments, payroll, and more with clear pricing.

Highlights
  • Instant business account opening
  • Immediate credit card access
  • Zero-balance account option
  • Local and international payments
  • WPS payroll management
  • Secure login and authentication
Features
Read full description

UP by CBD is a mobile business bank from Commercial Bank of Dubai (CBD), built for micro and small businesses to easily apply for an account in minutes & start operating immediately. UP by CBD combines the agility of a mobile bank with the strength of CBD, backed by over 50 years of experience supporting businesses in the UAE. Key Features Apply for a business account in minutes with seamless DUL integration (Dubai unified licence) Instant credit card from day one with higher credit limits as your business grows Zero-balance account, giving businesses the flexibility to select a tailored subscription plan. Make local and international payments, manage cards, run payroll (WPS), and stay on top of your finances — all with clear, simple pricing. Your money and data are protected with secure login, strong authentication, and real-time controls. Bank confidently with a fully licensed UAE bank regulated by the Central Bank of the UAE. Why UP by CBD? UP by CBD brings together everything your business needs - from a current account and access to credit to payroll, transfers and savings - in one unified, mobile-first business banking experience, backed by over 50 years of CBD experience supporting businesses in the UAE. Through CBD’s collaboration with the Dubai Department of Economy and Tourism (DET), you also get access to programmes and initiatives like Dubai Founders HQ and SME in a Box — helping you grow and scale. Who is it for? Small businesses and startups in the UAE seeking a fast, fully compliant mobile business banking experience. Business owners and consultants choosing a simple, seamless way to manage business finances - from faster invoicing and spend tracking to cashflow visibility and actionable insights. Employers managing WPS payroll while ensuring compliance with UAE labour regulations. Get started in minutes Download the UP by CBD app. Share your personal and business details to get set up. Start banking right away and take the next step in growing your business.

Screenshots

Pay10 UAE4 screens
UP by CBD4 screens

Verdict

The call

The clearest difference is iOS requirement: Pay10 UAE at 13.0 against UP by CBD's 16.0. On price, rating, ratings volume and update cadence 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 — 5.0 for Pay10 UAE against 5.0 for UP by CBD. Both are backed by a comparable volume of ratings — 1 and 1 respectively.

UpkeepUpdate frequency

Pay10 UAE ships an update weekly, UP by CBD fortnightly. The most recent releases landed on October 7, 2026 and October 12, 2026 respectively.

Scorecard1 real difference · 9 level
Pay10 UAE versus UP by CBD: the parameters behind the verdict, then further details
ParameterPay10 UAEUP by CBD
PriceFreeFree
Rating5.0 (1 ratings)5.0 (1 ratings)
Positive reviews—100.0% of reviews
Number of ratings11
Update frequencyWeekly — betterFortnightly
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPod — betteriPhone
Requires iOS13.0 — better16.0
Further details — not scored
Size206 MB182 MB
Age rating4+4+
DeveloperPay Ten Payment Services Provider LLCCommercial Bank of Dubai

Customer experience

Pay10 UAE

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

UP by CBD

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Pay10 UAE

No in-app purchases

None

UP by CBD

No in-app purchases

Questions

Is Pay10 UAE free?
Pay10 UAE is free to download, with no in-app purchases.
Is UP by CBD free?
UP by CBD is free to download, with no in-app purchases.
Which has better reviews, Pay10 UAE or UP by CBD?
Pay10 UAE and UP by CBD are both rated 5.0 out of 5 on the App Store, from 1 and 1 ratings respectively.
Do Pay10 UAE or UP by CBD have ads?
Neither Pay10 UAE nor UP by CBD shows ads.
Which is updated more often, Pay10 UAE or UP by CBD?
Pay10 UAE ships an update weekly, and UP by CBD fortnightly. Most recently, Pay10 UAE was updated on October 7, 2026 and UP by CBD on October 12, 2026.

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