Comparison

Universal Exchange vs LiaPay

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

Head to head
About

Universal Exchange

Features
Read full description

Send money to your loved one quickly and easily, at the lowest possible cost with Universal Exchange Ltd. And always get the real exchange rate. Universal Exchange Ltd are using the real exchange rate to help expats, foreign students, businesses, freelancers and people living international lives to send, receive, and spend money securely, conveniently, and at a very low cost. · Send money to Asia, Europe, and Africa · Register for free, and you will be able to send money abroad. . Download our app for free from the store. · Spend abroad, stress-free with 0% commission. · Trusted by Thousands — just look us up on internet to see our happy reviews. . Universal Exchange Ltd is fully regulated, so your money’s safe and secure. Using Universal Exchange Ltd to: - You can send money to a your loved one abroad. - You can send money to a friend - You Pay a bill in abroad. - Pay off your mortgage or loan abroad in any currency EUR, USD, GBP, AED. - Get paid in multiple currencies (EUR, GBP, AED, USD, PKR, AFN), with no hidden fee.

About

LiaPay

Manage your money digitally with a free digital Mastercard. Receive instant transfers and make secure online payments from your smartphone. Enjoy advanced security and CBUAE compliance for a trusted financial experience.

Highlights
  • Free digital Mastercard
  • Instant money transfers
  • Secure online payments
  • Advanced security and encryption
  • CBUAE compliant
  • Manage funds from smartphone
Features
Read full description

Welcome to LiaPay – Your Digital Money Card in the UAE LiaPay is the smarter way to manage your money digitally. Designed for forward-thinking employees in the UAE, it gives you instant access to a free digital Mastercard so you can receive transfers and pay online securely — all from your smartphone. Simple. Secure. Straightforward. Your Free LiaPay Digital Mastercard Get your LiaPay Digital Mastercard in minutes and start using it immediately. No paperwork. No waiting. Just seamless digital access to your money. Use it anywhere Mastercard is accepted online and manage everything directly from your smartphone. Instant Transfers Receive money anytime, anywhere. Get transfers directly to your LiaPay card with no delays and no complications. Whether it’s salary, peer transfers, or company payments, your funds are available when you need them. Secure Online Payments Shop, subscribe, and pay with confidence. Use your digital Mastercard to pay online securely across global merchants. From everyday purchases to monthly subscriptions, enjoy fast, protected transactions every time. Advanced Top-Tier Protection Safe. Secure. Trusted. Your money and personal data are protected with advanced security standards and encryption. With LiaPay, every transaction is monitored in real time, giving you complete peace of mind while you manage your funds. LiaPay is fully compliant with CBUAE regulations and licensed by Mawarid Finance, providing a secure, trusted, and fully regulated financial experience in the UAE. Every transaction and service is built to meet the highest standards of reliability, transparency, and customer protection, so you can manage your money with complete confidence. Smart Money Starts Here. LiaPay makes managing money effortless, fast, and secure. Your Money. Your Mastercard. Your Way.

Screenshots

Universal Exchange4 screens
LiaPay4 screens

Verdict

The call

Universal Exchange and LiaPay are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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.

UpkeepUpdate frequency

Universal Exchange ships an update every 9 days, LiaPay every 2 weeks. The most recent releases landed on September 7, 2026 and July 1, 2026 respectively.

ScorecardNo meaningful differences
Universal Exchange versus LiaPay: the parameters behind the verdict, then further details
ParameterUniversal ExchangeLiaPay
PriceFreeFree
Rating—5.0 (1 ratings) — better
Number of ratings—1 — better
Update frequencyEvery 9 days — betterEvery 2 weeks
AdsNoNo
In-app purchasesNoNo
Monetization—Free
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS13.013.0
Further details — not scored
Size82 MB45 MB
Age rating17+4+
DeveloperUniversal Exchange LTDLiabify

In-app purchases

None

Universal Exchange

No in-app purchases

None

LiaPay

No in-app purchases

Questions

Is Universal Exchange free?
Universal Exchange is free to download, with no in-app purchases.
Is LiaPay free?
LiaPay is free to download, with no in-app purchases.
Do Universal Exchange or LiaPay have ads?
Neither Universal Exchange nor LiaPay shows ads.
Which is updated more often, Universal Exchange or LiaPay?
Universal Exchange ships an update every 9 days, and LiaPay every 2 weeks. Most recently, Universal Exchange was updated on September 7, 2026 and LiaPay on July 1, 2026.

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