Upay is a digital payment system owned by United Commercial Bank Limited (UCB), Bangladesh. Upay has been implemented to promote cashless and universal i.e. anytime-anywhere payments using mobile phones in Bangladesh. For the first time ever in Bangladesh, Upay uses the most innovative and reliable technologies like Blockchain and QR or Quick Response Code to secure all financial transactions. Customers can use Upay to make payments for goods/Services from Physical/Online Merchants. S/he can also make consumer, corporate and government payments (e.g. mobile recharge, bill payment, money transfer, ticketing, loan repayment, inward remittance, insurance premium, payment of salaries, social benefits etc.), purchase of digital cheque for gifts and payments, redemption of coupons/vouchers/reward points. In a nutshell customers’ existing mobile device would become the medium of payments. S/he does not need to carry Cash or Card for payments. To summarize the power of convenience that Upay offers to customers, following are some of the main value propositions:

● Digital Payments. Cashless/card-less transactions using digital devices
● Mobile Payments. Use of smart mobile phone for payments
● Universal Payments. Anytime-anywhere many-in-one payments
● Direct Debits. Make payments directly debiting accounts or digital wallet or credit card
● All Payments. All payments involving consumer, corporate and government
● Innovative and Reliable Technology. Highly secure transactions using Blockchain and QR Code Technology
● Faster Transaction. No long queues - faster than card transaction
● Lower Cost of Transaction. No cost to the consumer. Much cheaper for corporates & merchants

What’s New

Version 1.3.9

- TouchID Authentication for iPhone (below X).
- Face ID Authentication for iPhone X and above.

Ratings and Reviews

4.4 out of 5
44 Ratings

44 Ratings

Capt. Rez1 ,

Excellent app

It does everything what a bank account do. But you don’t need to visit bank.
Future request: Please add NPSB also to send money to other banks & increase credit card funding limit.


Very good initiative for Digital Banking in Bangladesh

Dear Upay Team, first Thanks for wonderful Upay App. It's very good initiative for cash less society. It would be very outstanding, if you add Face ID support in next update. Also you can add Credit Card Payment option for various banks Credit Card. And also you can add payment like PDB Prepaid Meter Recharge, Internet Bill Payment., etc. Thanks once again and hope to enjoy various new payment options in near future.

Developer Response ,

Dear Sir,
Thanks for your suggestion. We keep it in our consideration.

Roney BIBM ,

Balance Check Issue

A bug is detected while trying to check wallet balance by clicking on "Balance" interface, popping up window is minimising suddenly without showing the balance menu. Please, fix the bug ASAP.


United Commercial Bank Limited
35 MB

Requires iOS 9.0 or later. Compatible with iPhone, iPad, and iPod touch.



Age Rating
Rated 4+


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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