# Moru - Digital Wallet (Nepal)

> Digital wallet for simplified payments, bill payments, and financial tracking in Nepal. (iPhone/iPad app by Pay Nep Private Limited.)

- Source: https://appshunter.io/ios/app/moru-digital-wallet-nepal/id1497676739 (this page in markdown: same URL + `.md`)
- Developer: [Pay Nep Private Limited](https://appshunter.io/developer/1497676738)
- Category: Finance, Utilities
- Price: Free
- Rating: 4.40/5 from 43 App Store ratings · 5 written reviews indexed
- Age rating: 4+
- Requires: iOS 13.0 · 51 MB
- Languages: American English
- Released: 2020-02-14
- Data updated: 2026-08-17
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/moru-digital-wallet-nepal/id1497676739/reviews.md

## What is Moru?

मोरूमा धेरै सरल र सबैले बुझ्न सक्ने ईन्टरफेस छ । यो प्रयोगकर्ताको सबै कारोवारहरुको जनाकारी प्रदान गर्नकालागि एक उपयुक्त माध्यम हो र मोरुबाट एक क्लिकमा सजिलैसँग पैसा पठाउन र प्राप्त गर्न समेत सकिने छ। मोरू डिजिटल आफ्ना प्रयोगकर्ताहरुलाई आफ्नो खर्च प्रति वफादार बनाउन सक्षम रहनेछ किनकि यसले प्रयोगकर्ताहरूका लागि डिजिटल रकम SEND  र REQUEST  गरी बर्गिकरण गरि राखेको छ । यसको प्रमुख उदेश्य भनेको अर्थव्यवस्थाको वास्तविक संक्रमणलाई समाधान गराउँनुहो, मानिसहरूलाई डिजिटल माध्यमबाट एक व्यक्ति बाट अर्को व्यक्ति सँग भुक्तानिको कार्यमा प्रेरित गराउँनु यसको प्रमुख लक्ष्य रहेको छ । थप, मोरूले प्रयोगकर्ताहरूलाई उनीहरूको आर्थिक कारोवारहरुको जानकारी दिने प्रयास गर्नेछ। एक पटकको पहुँच पछि प्रयोग कर्ताहरुले केवल एक क्लिक बाट वालेट मार्फत प्रत्येक सेवा अन्तर्गत आफुले प्रयोग गरेका सम्पूर्ण कारोवारहरुको पूर्ण विबरणहरु हेर्न सक्नेछन । आफ्नो सम्पूर्ण कारोवारको पूर्ण अध्ययन गरि प्रयोगकर्ताहरुले आफ्नो डिजिटल जीवनको महत्व तुलना गर्न सक्नेछन ।
 
दर्ता प्रक्रिया
·   मोरु डिजिटल एप डाउनलोड गर्नुहोस् ¸
·   Register मा क्लिक गरी आफ्नो मोवाईल नम्बर राख्नुहोस्¸ मोवाईल नम्बरमा OTP आउनेछ¸
·   आएको OTP राख्नुहोस र विबरण भर्नुहोस
·   तपाईले मोरु खाता दर्ता गर्नु भयो¸तपाईको मोरु ID मोवाईल नम्बर हुनेछ¸
·   आफ्नो KYC  पुरा गर्नुहोस
 
मोरुमा कसरी रकम लोड गर्ने ?
·  मोवाईल बैंकिङ
·  ईन्टरनेट बैंकिङ
·  कनेक्ट आईपिएस
·  कार्ड लोड
·  अन्य मोरु प्रयोगकर्ताबाट
 
हाम्रा सेवाहरु
·   मोवाईल टपअप
·   बिद्धुत महसुल भुक्तानि
·   ल्यान्ड्लाई बिल भुक्तानि
·   खानेपानी बिल भुक्तानि
·   हवाई टिकट
·   चलचित्र टिकट
·   ईन्टरनेट बिल भुक्तानि
·   टेलिभिजन बिल
·   ईन्सुरेन्स प्रिमियम भुक्तानि
·   NCELL/NTC  डाटा/भ्वाईस प्याक
·    सरकारी भुक्तानी
        -   आन्तरिक राजस्व भुक्तानी
        -   सामाजिक सुरक्षा कोष
        -   बोनस कर भुक्तानी
        -    ट्राफिक जरिवाना भुक्तानी
·   एन्टिभाइरस भुक्तानी
·   ब्रोकर शुल्क भुक्तानी
.   रेमिट्यान्स 

 ग्राहक सेवा विवरण 
 टेलिफोन नम्बर +९७७-१-४५४३८८८
 मोवाईल नम्बर ९८०१०३५३४८
 भाईबर वाट्सएप ९८०१०३५३४८
 म्यासेन्जर https://m.me/MoruOfficial
 ईमेल: info@moru.com.np


Moru Digital Wallet has a very simplistic and minimalistic interface. It is a one stop solution for all your utility payments and you can send and receive money easily with a single click. Moru has remained loyal to the basics of the digital economy as it has prioritized the users to SEND and REQUEST money digitally. This classic approach is to motivate the actual transition of the economy, reminding people to enter into all Person to Person level payments from digital channels. Further, Moru tries to give users their financial information. Just a click away, users can look at all the transactions they have entered ever through the wallet and under each service as well. Users can compare their digital journey so far by contesting the total transactions.

Registration process:
1. Download Moru Digital Wallet app.
2. To register, enter your mobile number then you will receive an OTP in the mobile number you entered.
3. Enter the OTP and fill the form.
4. You will be a registered user of MORU and your mobile number will be your MORU id.
Also, get you KYC verified.
How to Load Fund in Moru Wallet:
1. Via  Mobile Banking
2. Via E- Banking
3. ConnectIPS
4. Card Load
5. Receive funds from other Moru users.
Our Services:
·   Bank Transfer
·   Mobile Top-up
·   Electricity Bill Payment
·   Landline Bill Payment
·   Telephone Bill Payment
·   Khanepani Bill Payment
·   Flight Ticket Booking
·   Bus Ticketing Booking
·   Movie Ticket Booking 
·   Internet Bill Payment
·   Credit Card Bill Payment
·   Insurance Premium Payment
·   Ncell and NTC Data/Voice Pack
·   Government Services:
             -   Government Revenue Payment (IRD)
             -   Social Security Fund
             -  Traffic Police Fine
             -  Bonus Tax
·   Antivirus Payment
·   Stock Brokers  Payment
·   Remittance

Customer Service Details: 
Telephone Number: +977-1-
4542488,  +977-1-4543888 +
Mobile Number: +977 9801035348
Viber, WhatsApp: +977 9801035348 
Messenger: https://m.me/MoruOfficial
Email: info@moru.com.np

## Key features

- Send and receive money
- Utility bill payments
- Transaction history tracking
- Mobile top-up
- Remittance services
- Simplified registration

## Recent user reviews (5 of 5)

All indexed reviews: https://appshunter.io/ios/app/moru-digital-wallet-nepal/id1497676739/reviews.md

### 5/5 — Good apps

*2026-01-01, version 3.6.14*

I like it

### 5/5 — Happy with the app

*2024-08-14, version 3.6.01*

I have been using MORU for couple of months. I found its link from social media.

Alternative name of MORU digital app is "A one-stop solution for various utility payments", including mobile top-ups, electricity bills, landline bills, water bills, and more. This digital wallet app is an user-friendly interface and has comprehensive features. MORU has simplistic and minimalistic interface that makes it accessible for users of all ages. It has easy navigation, allowing users to perform transactions with just a few clicks supporting ticket bookings for flights, movies, and other events is another attractive feature. 

- Send/receive money effortlessly
- Provides detailed transaction histories
- Setting is straightforward.
- Manage user's finances effectively.
- Smooth wallet load and fast transfer capabilities.
- The app has been described as a must-have for daily use
- Easy-to-use interface and a wide array of features.
I am giving 5 stars rating 👍👍

### 4/5 — Hello

*2024-05-17*

Namaste Its a Nice app And is very easy and helpful too…..

### 5/5 — Really useful app

*2023-01-19*

Very good and useful app and really liked the cash back offers

### 5/5 — Amazing 3% Cashback

*2021-08-08*

Amazing 3% Cashback

**Developer response:** Dear Deepesh Ji, thank you so much for the 5 star rating. Begin your digital life with Moru, it is easy, convenient & hassle free. We are coming up with more services and offers. If you have any feedback or suggestions, please write to us at +9779801035348 (Viber, WhatsApp) or Facebook. We would love to hear from you! Thank You

## Frequently asked questions about Moru

### How do I register for Moru?

Download the Moru Digital Wallet app, click 'Register', enter your mobile number to receive an OTP, enter the OTP, and fill in your details. Your mobile number will be your Moru ID. Complete your KYC to fully register.

### How can I load money into my Moru wallet?

You can load money into your Moru wallet through mobile banking, internet banking, Connect IPS, card load, or by receiving funds from other Moru users.

### What types of bills can I pay with Moru?

Moru supports a wide range of bill payments including electricity, landline, water, internet, television, insurance premiums, and various government payments like traffic fines and social security fund contributions.

### Does Moru offer remittance services?

Yes, Moru facilitates remittance services, allowing users to send and receive money across different channels.

### Is Moru available on iOS devices?

Yes, Moru is supported on iPhones, iPads, and iPods, indicating compatibility with Apple's iOS ecosystem.

### How often is Moru updated?

The app was last updated on November 22, 2025, with version 3.6.14, suggesting regular updates to improve functionality and security.

### What is the security like for Moru?

While specific security features are not detailed, the app's focus on digital transactions implies standard security protocols are in place. Users are encouraged to complete KYC for enhanced account verification.

### Does Moru have ads?

Based on the provided data, Moru does not have advertisements, allowing for an uninterrupted user experience.

## Version history (last 5 releases)

### 3.8.7 — 2026-08-04

Release Note
Security & Authentication

- Device-restricted login with SMS OTP step-up — new/unrecognized devices must verify via one-time code before access.
- MO-SMS device verification flow (UI + polling) added.
- Backend-gated rollout via Device-Verify-Support header — server controls who sees the new flow.
- OTP screen synced with backend TTL + resend throttling.

Payments & Transfers

- Wallet-style transfer hub with a universal balance banner across flows.
- Bank transfer redesigned into a clean 3-step wizard.
- Amount-first "hero" input across transfer / add-money / QR forms (numeric-only, cleaner fields).
- Inline PIN entry on send-money confirmation.
- Unload (bank transfer) form redesign + clearer two-column confirm summary.

QR Payments

- QR Payment (Fonepay/external) restyled to the hero-amount layout; confirmation now uses a shared summary card (no more form-style rows).
- Generate-QR screen aligned to the bill-QR layout.
- Fixed QR name flicker during share.

Home & Dashboard

- Finance charts cached for faster home load.
- Friendlier expense-category chart labels.
- Renamed "Liquidity Flux" card → "Money Movement."
- Fixed dead-tapping — category tiles now open their service.

Dark Mode & Theming

- Dark-mode readability fixes across login, KYC form, and PIN confirm screens.
- App-wide migration of hardcoded styles to a centralized design-token theme for consistent light/dark rendering.
- Standardized service headers; localization + login UI refresh.

Reliability & Fixes

- Hardened wallet/transfer amount validation; gated transfer form errors.
- Enforced step order in request-money.
- Non-life insurance options now shown; correct payout rail opens on selection.
- Stopped cross-account push notifications after account switch.

Platform & Quality

- iOS build hardening for TestFlight/App Store (encryption declaration, MinimumOSVersion, sandboxing config).
- Added widget/unit test suite + mobile-number validation helper; updated deprecated Dart APIs.

### 3.6.14 — 2025-11-22

- Minor bug fixes and optimizations

### 3.6.13 — 2025-11-03

- Minor bug fixes and optimizations.

### 3.6.12 — 2025-09-22

- Minor bug fixes and optimization

### 3.6.11 — 2025-06-28

- Minor bug fixes and optimization

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## More apps by Pay Nep Private Limited

- [BigPlus](https://appshunter.io/ios/app/bigplus/id6478205834)

All apps by Pay Nep Private Limited: https://appshunter.io/developer/1497676738

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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 2026-08-17.*