# NBL BankSmart XP

> Nepal Bank Limited's official mobile banking application for account management and transactions. (iPhone/iPad app by Nepal Bank Limited.)

- Source: https://appshunter.io/ios/app/nbl-banksmart-xp/id1184775036 (this page in markdown: same URL + `.md`)
- Developer: [Nepal Bank Limited](https://appshunter.io/developer/1423062309)
- Category: Finance, Business
- Price: Free
- Rating: 3.20/5 from 17 App Store ratings · 12 written reviews indexed
- Age rating: 4+
- Requires: iOS 12.4 · 171 MB
- Languages: American English
- Released: 2016-12-22
- Data updated: 2026-08-28
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/nbl-banksmart-xp/id1184775036/reviews.md

## What is NBL BankSmart XP?

NBL Mobile Banking is Nepal Bank Limited'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 Nepal Bank Limited. This App will be regularly updated with additional new features.

Key Features:

1.	Banking On the Go
2.	Bill Payments Made Easier
3.	Top Up Made Easier
4.	Fund Transfers Made Easier
5.	QR Code: Scan and Pay
6.	Instant Online and Retail Payment with Fonepay Network
7.	Accessing your Account Informations Made Easier
8.	User Friendly, Safe and Secure
9.	And Many More Exciting Features

NBL Mobile Banking 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 Nepal Bank Limited, and you need to subscribe to the Nepal Bank Limited's Mobile Banking Service.

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

NBL Mobile Banking is a Member of Fonepay Network.

Smart Banking for Smart People.

## Key features

- Banking on the go
- Bill payments
- Top-ups
- Fund transfers
- QR code payments
- Account information access
- Secure transactions

## Recent user reviews (10 of 12)

All indexed reviews: https://appshunter.io/ios/app/nbl-banksmart-xp/id1184775036/reviews.md

### 1/5 — Worst Mobile Banking Ever

*2026-03-29*

This app makes me in trouble more than 100 times sometimes payment will be later or sometimes app won’t open, sometimes payment can’t be done….

### 1/5 — App is not working

*2026-03-17*

App is not working, if it works something, transaction process consume alot of time

### 1/5 — App is not working

*2025-09-01*

Why?????

### 5/5 — Good

*2024-05-16*

It work smartly

### 2/5 — App not opening 😐

*2024-02-24*

It was working fine in the past but now the app does even start

### 5/5 — App not open nepal bank

*2024-02-04*

Open

### 1/5 — Server issues

*2023-08-13, version 5.5.43*

Most of the time it says “ We're having trouble connecting to the server at the moment. Please try again later.” Tired of it

### 1/5 — This app does not work well.

*2023-01-09, version 5.5.36*

One of the first and biggest bank in nepal and their mobile banking is really poor. Transaction and phone pay always says error. Phone pay is totally untrustworthy. Even it said failed transaction the vendor received the money 4 times as I tried 4 times to complete the transaction. It was nice for them to notify me that they received payment 4 times. Did try doing bank transfer but it only succeeded once and next transaction bounced back to my account after 2 days. Don’t know whom they are hiring as their developer but they need pull on their shocks and stop mocking around during work time. Please update and fix bug issues. One of the best mobile banking app is global ime may be take that as the reference.

### 1/5 — App not working

*2022-03-12, version 5.5.33*

I’m in abroad and since 5 days app and website not working, and even after complaining no one response,

### 1/5 — No otp , bad UI

*2021-05-30, version 5.5.21*

I am trying to login since 1 month , no otp, no response from it department, no response from bank.

## Frequently asked questions about NBL BankSmart XP

### What is NBL BankSmart XP?

NBL BankSmart XP is the official mobile banking application from Nepal Bank Limited. It allows users to manage their bank accounts, make payments, and perform various banking transactions from their mobile devices.

### Is NBL BankSmart XP secure?

Yes, NBL BankSmart XP uses 128-bit SSL encryption to protect user information when logged in, ensuring safe and secure transactions.

### What banking services can I perform with NBL BankSmart XP?

You can perform services like bill payments, top-ups, fund transfers, and QR code payments. It also provides easy access to your account information.

### Do I need a Nepal Bank Limited account to use NBL BankSmart XP?

Yes, to use the NBL BankSmart XP app, you must have a valid account with Nepal Bank Limited and subscribe to their Mobile Banking Service.

### What devices support NBL BankSmart XP?

NBL BankSmart XP is currently supported on iPhone and iPod devices.

### How often is NBL BankSmart XP updated?

The app is regularly updated with additional new features. The latest version is 7.0.50, last updated on February 17, 2026.

### What is the user rating for NBL BankSmart XP?

NBL BankSmart XP has a user rating of 3.4 stars based on 14 ratings.

### Does NBL BankSmart XP have ads?

No, NBL BankSmart XP does not contain advertisements.

## Version history (last 5 releases)

### 7.0.62 — 2026-08-27

- Calendar 2080 added.
- Minor Stability Fixes.

### 7.0.50 — 2026-02-17

- Calendar 2080 added.
- Minor Stability Fixes.

### 7.0.49 — 2026-02-12

- Calendar 2080 added.
- Minor Stability Fixes.

### 7.0.43 — 2025-05-05

- Calendar 2080 added.
- Minor Stability Fixes.

### 7.0.35 — 2024-11-26

- Calendar 2080 added.
- Minor Stability Fixes.

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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 2026-08-28.*