# Karnali Smart

> Official mobile banking app for Karnali Development Bank Ltd. (iPhone/iPad app by Karnali Development Bank Ltd.)

- Source: https://appshunter.io/ios/app/karnali-smart/id1274886915 (this page in markdown: same URL + `.md`)
- Developer: [Karnali Development Bank Ltd](https://appshunter.io/developer/1481469228)
- Category: Finance, Business
- Price: Free
- Rating: 5.00/5 from 1 App Store ratings
- Age rating: 4+
- Requires: iOS 12.0 · 51 MB
- Languages: English
- Released: 2017-09-05
- Data updated: 2026-07-07
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/karnali-smart/id1274886915/reviews.md

## What is Karnali Smart?

Karnali Smart is Karnali Development Bank Ltd's Official Mobile Banking App. Enjoy easy banking from your hand held devices, from anywhere anytime. Manage and use your Bank Account on the move and around the clock with this secure Mobile Banking App from Karnali Development Bank Ltd. This App will be regularly updated with additional new features.

Key Features:

Banking On the Go
Bill Payments Made Easier
Top Up Made Easier
Fund Transfers Made Easier
QR Code: Scan and Pay
Instant Online and Retail Payment with Fonepay Network
Accessing your Account Informations Made Easier
User Friendly, Safe and Secure
And Many More Exciting Features
Karnali Smart helps protect your information by using 128-bit SSL encryption when you are logged on.
To be able to use this App, you first need to have a valid account maintained at Karnali Development Bank Ltd, and you need to subscribe to the Karnali Development Bank Ltd's Mobile Banking Service.

Banking has never been this simple and easier before. Enjoy Banking Without visiting your branch.

Karnali Smart is a Member of Fonepay Network.

Smart Banking for Smart People.

## Key features

- Banking on the go
- Bill payments
- Fund transfers
- QR code payments
- Account information access
- Secure 128-bit SSL encryption


## Frequently asked questions about Karnali Smart

### What is Karnali Smart?

Karnali Smart is the official mobile banking application provided by Karnali Development Bank Ltd. It allows users to manage their bank accounts, make payments, and perform various banking transactions remotely.

### How secure is Karnali Smart?

Karnali Smart utilizes 128-bit SSL encryption to protect user information when logged in, ensuring a safe and secure banking experience.

### What banking services can I perform with Karnali Smart?

You can perform services like bill payments, fund transfers, mobile top-ups, and QR code payments through the Fonepay Network. You can also access your account information easily.

### Do I need a Karnali Development Bank account to use Karnali Smart?

Yes, to use Karnali Smart, you must have a valid account with Karnali Development Bank Ltd and subscribe to their Mobile Banking Service.

### Is Karnali Smart available on Android devices?

Based on the provided data, Karnali Smart is supported on iPhone and iPod. Information about Android compatibility is not specified.

### How often is Karnali Smart updated?

The app is regularly updated with additional new features. The latest version is 5.5.9, last updated on August 26, 2021.

### Does Karnali Smart have ads?

No, Karnali Smart does not contain advertisements. It is a free application focused on providing banking services.

### What is the user rating for Karnali Smart?

Karnali Smart has a high user rating of 5.0 stars based on 1 rating, indicating a very positive user reception.

## Version history (last 5 releases)

### 5.5.9 — 2021-08-26

- New Patch updates.
- Minor stability fixes.

### 5.5.6 — 2020-12-02

- UI Improvements
- Fonepay Direct Feature Added

### 5.5.3 — 2020-05-05

- QR Bug Fixes

### 5.5.2 — 2020-03-25

- Bug Fixes.

### 5.5.1 — 2019-11-19

- Interest Rate hidden.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-07-07.*