# Universal Exchange vs LiaPay

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.

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

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.

## The numbers

| Metric | Universal Exchange | LiaPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (1 ratings)](https://appshunter.io/ios/app/liapay/id6759443185/reviews)** |
| Number of ratings | — | **1** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 9 days** | Every 2 weeks |
| Monetization | — | Free |
| Size | 82 MB | 45 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [Universal Exchange LTD](https://appshunter.io/developer/1788048632) | [Liabify](https://appshunter.io/developer/1878618031) |

## What reviewers say

### Universal Exchange

[App page](https://appshunter.io/ios/app/universal-exchange/id6749697196)

**Features:** macOS Compatibility

**In-app purchases:** none


### LiaPay

[App page](https://appshunter.io/ios/app/liapay/id6759443185)

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:** Vision Pro support

**In-app purchases:** none


## Frequently asked 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.

---

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