# MOCO - Digital Wallet — Smart Payments for Nepal > Digital wallet for secure card-based payments and bill payments in Nepal. (iPhone/iPad app by FOCUSONE Payment Solutions.) - Source: https://appshunter.io/ios/app/moco-digital-wallet/id834786480 (this page in markdown: same URL + `.md`) - Developer: [FOCUSONE Payment Solutions](https://appshunter.io/developer/1512145334) - Category: Finance, Utilities - Price: Free - Rating: 3.80/5 from 12 App Store ratings · 19 written reviews indexed - Age rating: 17+ - Requires: iOS 15.0 · 75 MB - Languages: American English - Released: 2014-04-13 - Data updated: 2026-07-23 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/moco-digital-wallet/id834786480/reviews.md ## What is MOCO? MOCO is the digital wallet built for Nepal - fast, secure, and designed for both locals and travelers. Whether you’re booking flights, or exploring Nepal for the first time, MOCO makes payment effortless. Everyday payments, simplified Top-up and pay electricity, internet, drinking water, TV cable, flight tickets, and even traffic fines - all from one app, in just a few taps. Your cards, your way Add your debit or credit card and enjoy flexible digital payments across thousands of merchants nationwide. Built for travelers Visiting Nepal? Add your card, complete a quick KYC with your passport, or Aadhaar, and start paying via QR instantly - no local bank account needed. Security you can trust Every transaction is protected with PIN and bio-metric authentication. MOCO is PCI-DSS certified and licensed by Nepal Rastra Bank - we don’t just promise security, we’re certified for it. Earn while you pay (For domestic users only) Get reward points on transactions above Rs. 100 across selected services. The more you use MOCO, the more you earn. ## Key features - Link debit and credit cards - In-app and QR code payments - Pay utility bills - Book flights - Earn reward points - Unified QR code payments ## Recent user reviews (10 of 19) All indexed reviews: https://appshunter.io/ios/app/moco-digital-wallet/id834786480/reviews.md ### 3/5 — Problem with the app *2026-07-11* Haven't been able to log in for the last 2 weeks. Called customer care.Said app update will arrive in 2-3 days. Waiting for the last 5 days. ### 5/5 — New kind of wallet *2023-06-07* This digital wallet is different from the rest and provides lots of benefits ### 4/5 — Different digital wallet in the market *2023-06-01* Nice concept, since there isn’t wallet that provide service to add card in a wallet and pay. And need to add more service.🫡 ### 3/5 — Issue *2022-06-28* Issue on water bill payment as only keypad feature is only displayed while other icons are required not available in keypad ### 5/5 — Good *2022-01-07* mOcO one shot ### 1/5 — Bug in app *2021-10-02* Shows as App version outdated after a fresh download. But there is no new updates. ### 1/5 — Not working *2021-09-30* App not working on ios 15. Error showing to update the app even though i am on latest version ### 4/5 — Very useful *2017-11-17* great app very useful but after recent update i have to enter my user id, password and card information everytine i login.. please fix that. ### 5/5 — Good *2017-06-30* I like this app.easy to use and very helpful. Better if have a vianet and nettv payment. ### 5/5 — iOS 7.0.0 *2017-05-19* Its a humble request from low end device users like us to use MOCO in iOS 7... ## Frequently asked questions about MOCO ### How secure is MOCO? MOCO is a Nepal Rastra Bank Licensed payment service provider (PSP) and operates in collaboration with VISA. It is designed for secure transactions, allowing users to make payments without needing to load funds into the wallet itself. ### Which banks are supported by MOCO? MOCO supports a wide range of banks in Nepal, including Agricultural Development Bank Limited, Citizens Bank, Everest Bank Limited, Garima Bikash Bank Limited, Himalayan Bank Limited, Jyoti Bikash Bank Limited, Kamana Sewa Bikash Bank Limited, Kumari Bank Limited, Laxmi Sunrise Bank, Machhapuchchhre Bank Limited, Mahalaxmi Bikas Bank Limited, Nepal Investment Mega Bank Limited, NIC ASIA Bank, Nepal Bank Limited, NMB Bank, Prabhu Bank, Prime Bank Limited, Shragi-la Development Bank Limited, Shine Resunga Development Bank, and Siddhartha Bank. ### What types of payments can I make with MOCO? You can make various payments including telecom top-ups, internet bills, television bills, electricity bills, Khanepani bills, flight bookings, and traffic fine payments. Transactions can be done in-app or by scanning the Unified QR code. ### Does MOCO offer a free trial? MOCO is a free application, so there is no need for a trial period. Users can download and start using its services immediately without any cost. ### How often is MOCO updated? The latest version of MOCO is 4.2.1, and it was last updated on July 24, 2025. This indicates a commitment to regular updates and improvements. ### What devices does MOCO support? MOCO is available for iPhone, iPad, and iPod devices, making it accessible to a wide range of Apple users. ### What do users like about MOCO? Based on user feedback, the app is appreciated for its convenience in linking cards and making payments without pre-loading funds. Users also value the ability to pay various bills and earn reward points. ### Does MOCO have ads? No, MOCO does not contain advertisements. The application is designed to provide a seamless user experience without interruptions from ads. ## Version history (last 5 releases) ### 5.0.1 — 2026-07-13 Underlying platform upgrade and addition of traveler section. ### 4.2.1 — 2025-07-24 * traffic fine updates * flight booking update * minor enhancements ### 4.1.6 — 2025-06-17 bug fixes ### 4.1.4 — 2025-01-02 * bug fixes * security enhancements ### 4.1.3 — 2024-10-30 * minor bug fix related to scan to pay. ## Apps similar to MOCO | App | Rating | Price | Category | | --- | --- | --- | --- | | [云闪付商户通](https://appshunter.io/ios/app/id1219120000) | 1.0 (2) | Free | Finance | | [BCU Bank](https://appshunter.io/ios/app/bcu-bank/id1179612720) | 1.0 (1) | Free | Finance | | [Money - Financial Planning](https://appshunter.io/ios/app/money-financial-planning/id1190966640) | 3.3 (3) | Free | Finance | | [SmartXpense](https://appshunter.io/ios/app/smartxpense/id1220174080) | 5.0 (2) | Free | Finance | | [EMI, GST & Loan Calculator](https://appshunter.io/ios/app/emi-gst-and-loan-calculator/id1197868380) | 1.7 (3) | Free | Finance | | [Edifito-App](https://appshunter.io/ios/app/edifito-app/id1178977320) | 2.0 (1) | Free | Finance | ## More apps by FOCUSONE Payment Solutions - [MOCO Travel Wallet](https://appshunter.io/ios/app/moco-travel-wallet/id6754960492) All apps by FOCUSONE Payment Solutions: https://appshunter.io/developer/1512145334 --- *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 2026-07-23.*