upay: Finance and Payments

2.14.2

UPAY

3.68

45,669 reviews

5,000,000+
Downloads

Free

An easy, secured, and innovative financial solution for all your lifestyle needs

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iOS version

Pros & Cons

All-in-one digital finance solution focused on Bangladesh
Blockchain-based security with device-bound access
Supports offline and online payments including QR-based store payments
Fast onboarding with instant ID-based registration

No explicit UPI or broad international banking transfers indicated in the data
No loan or insurance features listed in this dataset
App focus is Bangladesh-centric, which may limit international use or cross-border features compared to global fintechs

About upay: Finance and Payments

upay: Finance and Payments is a finance app developed by UPAY.

How many times has upay: Finance and Payments been downloaded?

upay: Finance and Payments has been downloaded 8.3 million times. In the last 30 days, the app was downloaded 89 thousand times.

What is the rating of upay: Finance and Payments?

upay: Finance and Payments is rated 3.68 out of 5 stars, based on 46 thousand ratings.

Is upay: Finance and Payments free?

upay: Finance and Payments is free to download. The APK download size is 53.80 MB. The latest version available is 2.14.2. The last update was on July 31, 2026.

What are the requirements for upay: Finance and Payments?

upay: Finance and Payments requires Android 5.0+ or higher. The app has a content rating of Everyone. The app has been available on Google Play March 2021.

Description

Introducing “upay” (উপায়) app which provides easy, secured and innovative Digital Financial Solutions, and helps you elevate lifestyle in just a few simple taps. The state of the art upay app ensures ease for your most frequent transactions like send money to others, add money from all major banks, cash out with lowest charge from agents and ATMs, pay all your utility bill payments, recharge your mobile phone from all operators and also make instant payments at your favorite stores- both online and offline.

As a subsidiary of United Commercial Bank (UCB), upay app also ensures the highest possible security through blockchain based technology and widespread availability all across Bangladesh.

Things you can do in upay app:

Instant Registration

You can easily register for a new upay account in just about a few minutes right from upay app. All you require is your National ID card and you are ready to go.

Add Money from Bank Account or Debit/Credit Card

Transfer money instantly to your upay account through any banks or Debit/Credit Card. Add money easily to your upay account within seconds using an eligible debit / credit card or bank account.

Mobile recharge to any number

Recharge your mobile or any other number from all major operations in Bangladesh, including Grameenphone, Robi, Airtel, Banglalink and Teletalk. You can also find latest prepaid and postpaid recharge plans and best recharge based Internet, Voice and bundle offers only on upay app.

Bill Payments – Electricity, Water, Gas, Telephone, Internet, Credit Card and others

Pay your utility bills such as Electricity, Water, Gas etc. for all major providers like DESCO, NESCO, Titas, WASA etc. right from the comfort of your own home. You can also pay your credit card bill, internet bill, telephone bill and many more.

Safe, Secure & Contactless Payments at Offline Stores

Easily pay at your nearby grocery stores, pharmacies, restaurants, retail stores and thousands more across the country by scanning QR code or through mobile number.

Secured Mobile Banking

Security is of utmost importance to us and we prioritize making you feel safe and secured by taking necessary measures to protect your account. Through our modern blockchain based technology, you can rest assured that all of your transactions are highly secured. In addition, to give you greater control, you only can access your upay account only through your registered device. Hence, no need to worry about losing your PIN as no one can access your upay account from other mobile devices.

Online Payments

You can order groceries, medicines, food, gadgets online and pay via upay with ease. You can make quick online payments at your favorite shopping, food delivery, travel and gaming brands including Daraz, Evaly, Chaldal, Shohoz, just to name a few.

Your Own Wallet

For the first time in Bangladesh, you will have your own wallet which will give you a liberty of checking where your money is coming from, including Salary, Disbursement and Remittance. With such a personalized wallet, you can enjoy exclusive upay reward.

Ease of Access

upay is always looking out for you to give convenience and ease in your life. Keeping that at the core, upay app has certain features that can ease some of your pains.

· You can now avoid the hassle of constantly calculating the charge on cash out and simply add the Cash Out charge, to give more ease for the receiver. Through a simple tap, Cash Out charge will be automatically calculated whenever you are sending money to another upay account.

· Use the app in either Bangla or English, and change between the two whenever you want.

Book Tickets Easily

Book your Bus, Launch or Air tickets easily through the upay app. In addition, you can also book your favorite hotels, movie tickets and many more. For further details, please visit our website at https://www.upaybd.com.

Recent changes:
• Minor bug fixed to improve user experience

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More data about upay: Finance and Payments

Price	Free to download
Total downloads	8.3 million
Recent downloads	89 thousand
Rating	3.68 based on 46 thousand ratings
Ranking	Not ranked
Version	2.14.2
APK size	53.8 MB
Number of libraries	74
Designed for Android	5.0+
Suitable for	Everyone
Ads	NO ads

App Performance Report

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Alternative downloads for the upay: Finance and Payments app

upay: Finance and Payments compared with similar apps

Common keywords of similar apps

Upay Ease Secured Easily Add Charge Stores Give Major Favorite Based Debit Number Including Internet Wallet Book Tickets Innovative Lifestyle Simple Ensures Banks Utility Make Offline Blockchain Technology Electricity Water App Account Payments Money Mobile Card Pay Bill Recharge Credit Cash Online Bank Bangladesh Access Easy Financial Transactions Instant Security

Keywords missing from this app

Upi Banking Secure Payment Limited Digital Transfer Bills Funds Cards Loan Insurance Send Experience Accounts Services Features Qr Paytm Check Pin Manage Transaction Transfers User Time Recent Anytime Scan Securely

Google Play Rating history and histogram

27K

2.8K

2.4K

1.2K

12K

Downloads over time

upay: Finance and Payments has been downloaded 8.3 million times. Over the past 30 days, it averaged 3 thousand downloads per day.

Changelog of upay: Finance and Payments

Show changelog

Developer information for UPAY

UPAY

info@upaybd.com

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Comments on upay: Finance and Payments for Android

★★★★☆ Shikat Hossain · Jul 21, 2026

NPSB and Lone Option is very important But is not available. Many people don't Transaction without MFS NPSB. All of MFS connected NPSB Without Upay. Day by day upay is backdated Mfs service in Bangladesh.

★★★★★ Mohammad Shahjahan · Jul 11, 2026

I can not add money from any card to upay. Customer care did not get any solution last 3 month. Then I sent email 1st July to customer service but no response till now.

★★★★★ MD RAKIBUL ISLAM · May 26, 2026

User interface and performance is very good but need NPSB service with bkash rocket

★☆☆☆☆ Al Mamun Rana CPA GCMA · Jul 4, 2026

1 Star Very disappointing experience. I tried to make two QR payments. Both transactions failed, but the money was still deducted from my Upay account. I have emailed customer support several times, but I have received no response at all. Poor customer service and no resolution for failed transactions.

★☆☆☆☆ ARIFUR RAHMAN (PRS BOY) · Jun 15, 2026

KYC problem too much. Can't open an account for KYC issues.

★☆☆☆☆ Robbi Sardar · Jun 28, 2026

One of the useless MFS services in Bangladesh. They don't have any agents in my area and I can't load my upay card without an upay balance. I can't even add money from other MFS through NPSB. Don't waste your money by ordering a card that you can't use. For international uses you need a passport to endorse the dollar. You should've mentioned that in your app when I was applying for a card. Now what am I going to do with this e-waste?

★☆☆☆☆ Mahbub Sikder · Jul 22, 2026

Very bad experience..... block upay account unblock....... There no online option in block upay unblock... upay is only one option call........all time no money mobile phone sim...... this is realy hares mint

Google Play Rankings for upay: Finance and Payments

This app is not ranked

Technologies used by upay: Finance and Payments

upay: Finance and Payments is requesting 27 permissions and is using 74 libraries.
Show details

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