Comparison

Cash App vs urpay

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

Head to head
About

Cash App

Easily send and receive money or bitcoin instantly. Save by rounding up change, invest in stocks or bitcoin, and get paid up to two days early with direct deposit. Features a customizable debit card with exclusive discounts.

Highlights
  • Send & receive money/bitcoin instantly
  • Round up spare change to save
  • Invest in stocks, ETFs, and bitcoin
  • Direct deposit for early paychecks
  • Customizable debit card with discounts
  • Free Lightning Network transfers
Features
Read full description

The easy way to spend, save, and invest. Pay anyone in cash or bitcoin instantly and enjoy free Lightning Network transfers with compatible wallets. Start saving by rounding up spare change to the nearest dollar or invest in stocks, ETFs, or bitcoin.**** Experience a faster, simpler way to bank.* Set up direct deposit and get your paycheck up to 2 days early. Order a customizable debit card for free** and add it to your digital wallet. Save on everyday spending with exclusive offers. Download Cash App and create an account in minutes. CASH APP FEATURES P2P PAYMENTS • Send & receive money or bitcoin for free instantly • Pay people using their phone number, email, $cashtag, or QR code • Keep your money safe from fraud with advanced security features CUSTOMIZABLE DEBIT CARD • No hidden fees: Your card works where Visa® is accepted • Customizable: Make it personal & add it to your digital wallet • Safe & secure: Receive real-time transaction alerts & 24/7 fraud monitoring • Instant discounts: Save on spending & check out securely in person & online SIMPLIFIED BANKING SERVICES* • Set up direct deposit & get paid up to 2 days early • Get paid in bitcoin with no fees • No monthly balance minimums or activity requirements • Withdraw from in-network ATMs for free when you earn Green status*** • No overdraft fees & up to $200 in free overdraft coverage on Cash App Card transactions when you qualify for Green status *** EXCLUSIVE DISCOUNTS & SAVINGS • Earn up to 3.5% when you have Green status*** • Round up your spare change to the nearest dollar to start saving • Enjoy exclusive discounts on top brands & events with your Cash App Card • Get access to concert presales & exclusive events STOCK & BITCOIN INVESTMENTS • Buy stocks with no commission fees • Automatically buy bitcoin with zero fees, zero spread • Buy stock & bitcoin with custom orders or auto invest Cash App offers simplified financial services for everyone 13 and up with an account sponsored by a parent or guardian.***** Do more with your money and download Cash App today. — *Cash App is a financial services platform, not a bank. Banking services provided by Cash App's bank partner(s). Prepaid debit cards issued by Sutton Bank, Member FDIC. Cash App Visa® Debit Flex Cards issued by Sutton Bank, Member FDIC, and The Bancorp Bank, N.A., pursuant to a license from Visa U.S.A. Inc. See terms and conditions at cash.app/legal. Discounts, Round Ups, Direct Deposit, Offers, Savings, P2P and Cash App Green features provided by Cash App, a Block, Inc brand. Offers may not be affiliated with third party merchants. **Card use fees apply. Free cards come in black or white. ***Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 of Qualifying Deposits per month. Eligibility restrictions apply to some benefits. See Terms and Conditions for more information on borrowing, free overdraft coverage, savings interest, free in-network ATM withdrawals. ****Brokerage services by Cash App Investing LLC, subsidiary of Block, Inc. For additional information, see cash.app/CAIdisclosures. Bitcoin services provided by Block, Inc. Bitcoin services are not licensable activity in all U.S. states and territories. For additional information, see Bitcoin disclosures. Additional fees for securities may apply such as regulatory fees and fees to transfer securities externally. See house rules for details. *****Teens 13 to 17 can use Cash App with sponsorship by an eligible parent or guardian. See eligibility requirements at cash.app/legal. Contact Cash App Support by phone at (800) 969-1940 or mail at: Block, Inc. 1955 Broadway, Suite 600 Oakland, CA 94612

About

urpay

A smart digital wallet for managing finances. Easily top up, send money globally, pay bills, and issue cards. Offers features like payment splitting, family wallets, and instant finance.

Highlights
  • Digital wallet
  • Global money transfer
  • Bill payments
  • Virtual and physical cards
  • Mobile top-ups
  • Payment splitting
  • Family wallet
Features
Read full description

Manage all your finances in one app. urpay is your smart digital wallet designed to make everyday financial tasks faster, easier, and more rewarding. What you can do with urpay: Create your account in a minute and start managing your money securely. Top up your wallet via bank cards, Apple Pay, bank transfers, Mokafaa points or Samsung Pay. Send and receive money locally and internationally to over 140 countries through providers like MoneyGram, Tahweel Al Rajhi, Ria and more. Issue Mada & Visa cards for shopping, withdrawals, and premium benefits like cashback and airport lounge access. Pay bills easily through SADAD electricity, water, government services, and more. Recharge mobile lines or request an E-Sim card locally and internationally (STC, Mobily, Zain, Vodafone, Jazz, and others). Shop digital products & devices like gaming cards and smart watches from the built-in store. Split payments with Qatta, send money requests to collect your money from friends and families in a few taps. Pay your household salaries on time and with no hustle. Empower your family with the Family Wallet, give your kids their own wallet and monitor spending. Get instant finance through Emkan with no salary transfer required. Download urpay now and take control of your financial life. Need help? Contact us at 8001000081

Screenshots

Cash App4 screens
urpay4 screens

Verdict

The call

The clearest difference is review sentiment: Cash App at 55% against urpay's 27%. Cash App also leads on ratings volume (8.7M vs 12K) and rating (4.8 vs 4.6). urpay's advantage is iOS requirement (14.0 vs 17.0). On price, update cadence, 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

Cash App holds the better App Store score, 4.8 against 4.6. That said, the two scores are not equally well evidenced: Cash App has 8.7M ratings behind it against 12K, so its average is the more settled of the two. Written reviews point the same way: 55% of Cash App's written reviews are positive against 27% of urpay's.

UpkeepUpdate frequency

Cash App ships an update weekly, urpay every 9 days. The most recent releases landed on September 25, 2026 and September 24, 2026 respectively.

Scorecard5 real differences · 6 level
Cash App versus urpay: the parameters behind the verdict, then further details
ParameterCash Appurpay
PriceFreeFree
Rating4.8 (8.7M ratings) — better4.6 (12K ratings)
Positive reviews54.7% of reviews — better26.7% of reviews
Number of ratings8.7M — better12K
Update frequencyWeekly — betterEvery 9 days
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree with in-app purchases
Best chart rank#4 — better—
DevicesiPhoneiPhone, iPod — better
Requires iOS17.014.0 — better
Further details — not scored
Size425 MB194 MB
Age rating12+4+
DeveloperBlock, Inc.Neoleap

Customer experience

Cash App

All ratings8,707,991 ratings
Positive95.2%
Neutral2.0%
Negative2.8%
Written reviews5,981 reviews
Positive54.7%
Neutral4.7%
Negative40.6%

urpay

All ratings11,563 ratings
Positive91.0%
Neutral2.0%
Negative7.0%
Written reviews161 reviews
Positive26.7%
Neutral5.0%
Negative68.3%

User reviews

Cash App

From 8.7M App Store ratings

What we love

  • 💳 Easy money transferring
  • 🚀 Convenient and user-friendly app
  • 🤑 Referral bonuses and discounts
  • 🤑 Free tax filing
  • 🤑 Borrow money feature

Room to improve

  • 🔒 Security issues and account hacking
  • 🤖 Poor customer service and lack of live support
  • 💰 Unexpected fees and charges
  • 🔍 Unclear account restrictions and limits
  • 🐛 App crashes and technical issues

urpay

From 12K App Store ratings

What we love

  • 💙 Best Digital Wallet
  • 👍 Easy to use, fast and good
  • 🚀 Fast and reliable even outside the kingdom
  • 💰 Great deals and user-friendly

Room to improve

  • 🐛 Network issues, app not working
  • 💰 High fees for transfers and transactions
  • 🔒 Requires location access
  • 🤔 Sudden changes to limits and features
  • 🤯 Terrible customer service and unresponsive

Bugs and requests

Cash App

Reported bugs

3 issues
  • Recurring issues with direct deposits and money transfers
  • Inconsistent app behavior and unexpected account restrictions
  • Problems with mobile check deposits and cash withdrawals

Requested features

4 requests
  • Improve customer support with live chat or phone options
  • Provide more transparency on account policies and limitations
  • Enhance security features to prevent fraud and unauthorized access
  • Streamline the refund and dispute process for users

urpay

Reported bugs

4 issues
  • Login/signup issues
  • Freezing, crashing, and performance problems
  • International transfers not working
  • Deduction of funds without reason

Requested features

6 requests
  • Add monthly spending reports
  • Allow multiple wallets
  • Support Mada cards
  • Restore previous cashback rates
  • Increase transfer limits
Show 1 more
  • Allow more users to manage family wallet

In-app purchases

None

Cash App

No in-app purchases

None

urpay

No in-app purchases

Questions

Is Cash App free?
Cash App is free to download, with no in-app purchases.
Is urpay free?
urpay is free to download, with no in-app purchases.
Which has better reviews, Cash App or urpay?
Cash App is rated higher. Cash App averages 4.8 out of 5 from 8.7M ratings, while urpay averages 4.6 from 12K ratings.
Do Cash App or urpay have ads?
Neither Cash App nor urpay shows ads.
Which is updated more often, Cash App or urpay?
Cash App ships an update weekly, and urpay every 9 days. Most recently, Cash App was updated on September 25, 2026 and urpay on September 24, 2026.

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