C3Pay vs ADCB Hayyak
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
C3Pay
Manage your finances with ease. View balances and transactions, receive instant alerts for salary deposits and purchases, and transfer money internationally. Top up local and international mobile numbers quickly.
- View balance and transactions
- Receive SMS alerts
- International money transfers
- Mobile number recharge
- Clean and simple interface
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Now here with a cleaner look under your fingertips, our aim is to provide you with the simplest and the quickest way of managing your money. Use C3Pay to: - View your balance and transaction from anywhere, anytime. - Get SMS alerts whenever you receive your salary or make a purchase in shops. - Transfer money in minutes to your home country - Your first transfer is FREE! - Recharge any local and international mobile number instantly. Note: The app services are only available to C3Pay cardholders.
ADCB Hayyak
Open bank accounts, credit cards, and personal loans online in minutes. Choose your preferred language and account type, including Sharia-compliant options. Receive your welcome kit delivered to your doorstep.
- Open current or savings accounts
- Apply for credit cards
- Check eligibility for personal loans
- Choose Sharia-compliant solutions
- Receive welcome kit delivery
- Tailored premium benefits
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With the new and improved version of ADCB Hayyak, whether you are a salaried individual, non-salaried or a homemaker, you can start your banking relationship with ADCB in minutes. You can even choose your preferred language & type of account, credit card & loans/finance - available even in Sharia compliant solutions. What you can do on ADCB Hayyak: • Start your banking relationship enriched with tailored premium benefits • Instantly open a current or savings account • Explore our range of rewarding credit cards for every lifestyle and get one which suits you. • Check your eligibility for a Personal Loan/Finance and apply instantly • Choose the Millionaire Destiny Savings account and enter into a draw to win AED 1 million every month What’s more? No queues, no waiting, no hassle – we deliver your welcome kit directly to your doorstep. Download the app and follow the simple steps to get started. Personal Loan Details: • Interest rates (VAT not applicable) – 5.24% to 12% per annum • Processing fees for Personal Loans is 1.05% of the loan amount • Loan repayment tenures start at 6 months and are up to a maximum of 48 months • For example, if your loan amount is AED 100,000 the interest rate is 7.25% for a payback period of 48 months then your monthly installment will be AED 2,407, and processing fees will be AED 1,050. The total loan repayment amount including processing fee will be AED 115,500. • Terms and Conditions apply Address: Abu Dhabi Commercial Bank Building, Shk Zayed street. P. O. Box: 939, Abu Dhabi United Arab Emirates
Screenshots
Verdict
The clearest difference is review sentiment: ADCB Hayyak at 61% against C3Pay's 34%. ADCB Hayyak also leads on rating (4.7 vs 4.5) and monetization model (free vs ad-supported). C3Pay's advantage is update cadence (fortnightly vs every 2 months). On price, ratings volume, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
ADCB Hayyak holds the better App Store score, 4.7 against 4.5. Both are backed by a comparable volume of ratings — 1.7K and 1.6K respectively. Written reviews point the same way: 34% of C3Pay's written reviews are positive against 61% of ADCB Hayyak's.
C3Pay ships an update fortnightly, ADCB Hayyak every 2 months. The most recent releases landed on October 24, 2026 and October 29, 2026 respectively.
| Parameter | C3Pay | ADCB Hayyak |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (1.7K ratings) | 4.7 (1.6K ratings) — better |
| Positive reviews | 34.1% of reviews | 60.6% of reviews — better |
| Number of ratings | 1.7K — better | 1.6K |
| Update frequency | Fortnightly — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 | 11.0 — better |
| Further details — not scored | ||
| Size | 184 MB | 58 MB |
| Age rating | 4+ | 4+ |
| Developer | C3 Card | ADCB |
Customer experience
C3Pay
ADCB Hayyak
User reviews
C3Pay
From 1.7K App Store ratingsWhat we love
- 💰 Fantastic money sending service
- 👍 Good service, users are very happy using this app
Room to improve
- 🐛 App crashes frequently, issues with login and app access
- 🕰️ Slow response from customer support, long wait times for card replacement
- 💳 Unexpected deductions and account balance issues
- 🔄 Frequent app updates required
ADCB Hayyak
From 1.6K App Store ratingsWhat we love
- 👍 Easy and convenient account opening
- 🚀 Fast and smooth onboarding process
- 💡 Innovative digital banking app
- 🔒 Secure banking experience
- 👍 User-friendly interface
Room to improve
- 🐛 Scanning issues with documents
- 🐛 App crashes and freezes
- 🐛 Inconsistent eligibility criteria
- 🐛 Inability to navigate back in the app
- 🔍 Lack of transparency in application status
Bugs and requests
C3Pay
Reported bugs
2 issues- Login issues, app not opening on iOS 15
- Inability to register new card with app
Requested features
3 requests- Add money transfer functionality to more countries
- Improve app stability and reliability
- Enhance customer support responsiveness
ADCB Hayyak
Reported bugs
3 issues- Unable to scan Emirates ID and passport
- App gets stuck during account opening process
- Existing customer status not recognized
Requested features
3 requests- Allow users to cancel and restart application
- Provide clear instructions on required documents
- Improve customer support and communication
In-app purchases
C3Pay
No in-app purchases
ADCB Hayyak
No in-app purchases
