# MTB Neo vs UCB One

MTB Neo and UCB One both sit at 3.4 stars, but that hides the real split: 41% of MTB Neo's written reviews are positive against 30% of UCB One's. On price, rating, ratings volume and update cadence there is nothing between them.

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

UCB One holds the better App Store score, 3.6 against 3.4. Both are backed by a comparable volume of ratings — 238 and 365 respectively. Written reviews complicate that: 41% of MTB Neo's written reviews are positive against 30% of UCB One's, so the app with the better star average is not the one people write more warmly about.

MTB Neo ships an update every 5 weeks, UCB One every 6 weeks. Both last shipped on September 19, 2026.

## The numbers

| Metric | MTB Neo | UCB One |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.4 (238 ratings)](https://appshunter.io/ios/app/mtb-neo/id893471328/reviews) | **[3.6 (365 ratings)](https://appshunter.io/ios/app/ucb-one/id1424329574/reviews)** |
| Number of ratings | 238 | **365** |
| Positive reviews | **41.0% of reviews** | 30.1% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 weeks** | Every 6 weeks |
| Monetization | Free | Free |
| Size | 140 MB | 96 MB |
| Requires iOS | **15.6** | 16.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Mutual Trust Bank Limited](https://appshunter.io/developer/1568280319) | [United Commercial Bank Limited](https://appshunter.io/developer/910995191) |

## What reviewers say

### MTB Neo

[App page](https://appshunter.io/ios/app/mtb-neo/id893471328)

Manage your bank accounts and perform various financial transactions on the go. This app allows real-time account viewing, fund transfers, mobile recharges, and bill payments. It also facilitates opening new products and ordering checkbooks, all secured with advanced encryption and two-factor authentication.

**Highlights:** Real-time account information, Fund transfers (local & international), Mobile top-up, Credit card management, Bill payments, FDR & DPS account opening, Checkbook ordering

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

**In-app purchases:** none

**What reviewers like**

- 👍 Excellent user interface
- 🚀 Smooth and fast performance
- 🔒 Enhanced security features
- 💡 Convenient features like DPS and FDR opening
- 👍 Fresh and new UI design

**What reviewers complain about**

- 🐛 App crashes frequently
- 🐛 Biometric login not working
- 🐛 Compatibility issues with new iOS versions
- 🐛 Slow loading times and server connection issues
- 🐛 Bugs in specific features like mobile recharge and QR payment

**Reported bugs**

- App crashes on launch for new iPhones
- App not working on iPad Air 6
- Credit card details not visible in the app
- QR payment not working
- Registration process bug causing app to close

**Requested features**

- Add option to choose OTP delivery method
- Provide deposit scheme closure option in the app
- Bring back transaction screenshot sharing feature
- Add card to Apple Wallet integration
- Improve RTGS feature


### UCB One

[App page](https://appshunter.io/ios/app/ucb-one/id1424329574)

Manage your finances on the go with comprehensive account access, fund transfers, and bill payments. Securely handle credit card transactions, request services, and manage your credentials for a seamless banking experience.

**Highlights:** Account dashboard, Fund transfers (own, UCB, other banks), Credit card management and payments, Bill payments and mobile recharge, Service requests, Activity log and credential settings, Card and cheque management

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly
- 🚀 Good functionality
- 🔒 Secure banking

**What reviewers complain about**

- 🐛 Crashes and bugs
- 🕰️ Slow performance
- 📱 Poor UI/UX design
- 🔑 Lack of biometric login
- 🔄 Frequent login issues

**Reported bugs**

- Inability to add beneficiaries
- Credit card payment feature not working
- Dashboard and card details crashing
- Frequent server connection issues

**Requested features**

- Add biometric login (Face ID, Touch ID)
- Improve UI/UX design
- Enhance transaction history and statements
- Add support for international transactions
- Implement DPS/FDR management features


## Frequently asked questions

### Is MTB Neo free?

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

### Is UCB One free?

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

### Which has better reviews, MTB Neo or UCB One?

UCB One is rated higher. MTB Neo averages 3.4 out of 5 from 238 ratings, while UCB One averages 3.6 from 365 ratings.

### Do MTB Neo or UCB One have ads?

Neither MTB Neo nor UCB One shows ads.

### Which is updated more often, MTB Neo or UCB One?

MTB Neo ships an update every 5 weeks, and UCB One every 6 weeks. Most recently, MTB Neo was updated on September 19, 2026 and UCB One on September 19, 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.*