What is Upay?
Upay is a finance tool: Mobile financial service by UCB for payments, transfers and bills. It is free to use. Works on iOS and Android. Website last checked 12 Nov 2026.
Upay is the mobile financial service of United Commercial Bank. Send money, cash out, add money from banks and cards, pay bills and merchants, recharge mobile and use a co-branded prepaid card, from the Upay app or USSD *268#.
- Send money and cash out
- Add money from bank and card
- Bill pay and mobile recharge
- Merchant payments
- Co-branded prepaid card
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Questions about Upay
Is Upay free?
Yes. Upay is free to use.
What platforms does Upay support?
Upay works on iOS and Android.
Is Upay still active and reliable?
Yes. Upay's website passed our automatic health check on 12 Nov 2026.
