# Siddhartha BankSmartXP — Siddhartha Bank Mobile Banking

> Official mobile banking app for Siddhartha Bank account management and transactions. (iPhone/iPad app by Siddhartha Bank Ltd..)

- Source: https://appshunter.io/ios/app/siddhartha-banksmartxp/id1161312612 (this page in markdown: same URL + `.md`)
- Developer: [Siddhartha Bank Ltd.](https://appshunter.io/developer/1361536004)
- Category: Finance, Business
- Price: Free
- Rating: 4.60/5 from 1,170 App Store ratings · 70 written reviews indexed
- Age rating: 17+
- Requires: iOS 12.4 · 170 MB
- Languages: American English
- Released: 2016-10-07
- Data updated: 2026-08-25
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/siddhartha-banksmartxp/id1161312612/reviews.md

## What is Siddhartha BankSmartXP?

Siddhartha BankSmart is Siddhartha Bank'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 Siddhartha Bank. 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

Siddhartha BankSmart 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 Siddhartha Bank, and you need to subscribe to the Siddhartha Bank's Mobile Banking Service.

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

Siddhartha BankSmart 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

## What do users think of Siddhartha BankSmartXP?

Overall sentiment: neutral

**Pros**

- 👍 User-friendly application
- 🚀 Quick and reliable service
- 💯 Excellent customer service
- 🌟 Great overall experience

**Cons**

- 🐛 Frequent app crashes
- ⚠️ Unreliable transactions
- 🕰️ Slow and laggy performance
- 🤯 Frustrating technical issues

**Commonly reported bugs**

- App freezes when changing password
- Compatibility issues with older iOS versions
- Inconsistent behavior during transactions

**Most requested features**

- Add email support for users outside Nepal
- Improve fixed deposit functionality
- Enhance security features and password management

## Recent user reviews (10 of 70)

All indexed reviews: https://appshunter.io/ios/app/siddhartha-banksmartxp/id1161312612/reviews.md

### 4/5 — Good App and works well

*2026-07-12*

It’s been useful and convenient

**Developer response:** Dear Sir/Mam, We apologize for the inconvenience caused. We will consider your kind feedback for the improvement of bank service and better customer experience. You can always reach us via email at “customercare@sbl.com.np” or contact 01-5970020 for any suggestions/feedback. Thank you, Siddhartha care.

### 1/5 — Seriously need to fix your app

*2026-07-03, version 7.2.142*

The banking app is not great. The app is always down or simply won’t open, or even when you can get it to open, transactions won’t send through. Could chalk it up to network issue, but my other bank apps work perfectly so I know it is a server issue. I’ve been embarrassed way too many times because the app decided it didi not want to work so I’ve been stuck being unable to make payments be when I have the funds in my account. Bank with Siddhartha if you like to save because they won’t let you spend your own money.

### 1/5 — Terrible

*2026-06-27*

could not open while paying. they sent SMS to update the app but there’s no update available

**Developer response:** Dear Sir/Mam, We sincerely apologize for the inconvenience caused. Please clear the cache to update your app to the latest version from the App Store (iOS) to continue using the application without interruption. Thank you, Siddhartha care. Alternatively, you may contact us at 015970020 or email us at customercare@sbl.com.np.Thank you, Siddhartha care.

### 1/5 — Error

*2026-06-26*

Every Time keeps loading while trying to scan qr

**Developer response:** Dear Sir/Mam, We sincerely apologize for the inconvenience caused. Please update your app to the latest version from the App Store (iOS) to continue using the application without interruption. Thank you, Siddhartha care. . Alternatively, you may contact us at 015970020 or email us at customercare@sbl.com.np.Thank you, Siddhartha care.

### 1/5 — Update:worst app ever

*2026-05-22*

Important business transaction always gets stuck by this stupid app. Does the IT team even know how to fix it ?

**Developer response:** Dear Sir/Mam, We apologize for the inconvenience caused. We will consider your kind feedback for the improvement of bank service and better customer experience. You can always reach us via email at “customercare@sbl.com.np” or contact 01-5970020 for any suggestions/feedback. Thank you, Siddhartha care.

### 5/5 — Awesome

*2026-05-09, version 7.2.138*

Best banking in.  Nepal

### 5/5 — Thankyou

*2026-04-16, version 7.2.138*

Thankyou❤️

### 1/5 — Poor user experience

*2026-04-05*

Poor user experience

**Developer response:** Dear Sir/Mam, we apologize for the inconvenience caused. We will consider your kind feedback for the improvement of bank service and better customer experience. You can always reach us via email at “customercare@sbl.com.np” or contact 01-5970020 for any suggestions/feedback. Thank you, Siddhartha care.

### 1/5 — Frequent updates

*2026-04-03, version 7.2.138*

I updated the app last week and its again showing to update and it is so annoying to see the update notice when I open the app to pay. 

Update requirement on few months is okay but update right after few days is annoying even when remind me later option is there. Please make it less frequent.

### 2/5 — Card declined yet they debited the money

*2026-03-09*

App works fine. But they still have my transaction dispute on pending for two weeks now.

**Developer response:** Dear Sir/Mam, We apologize for the inconvenience caused. We will consider your kind feedback for the improvement of bank service and better customer experience. You can always reach us via email at “customercare@sbl.com.np” or contact 01-5970020 for any suggestions/feedback. Thank you, Siddhartha care.

## Frequently asked questions about Siddhartha BankSmartXP

### What can I do with Siddhartha BankSmartXP?

Siddhartha BankSmartXP allows you to manage your Siddhartha Bank accounts from your mobile device. You can perform banking on the go, make bill payments, top-ups, fund transfers, and use QR codes for payments. It also provides easy access to your account information.

### Is Siddhartha BankSmartXP secure?

Yes, the app is designed to be safe and secure. It uses 128-bit SSL encryption to protect your information when you are logged on, ensuring a secure mobile banking experience.

### How do I use Siddhartha BankSmartXP?

To use Siddhartha BankSmartXP, you must have a valid account with Siddhartha Bank and subscribe to their Mobile Banking Service. Once set up, you can download and use the app to manage your finances conveniently.

### What are the benefits of using this app?

The app offers the convenience of banking from anywhere, anytime, without needing to visit a branch. Key features include simplified bill payments, fund transfers, and QR code scanning for instant payments through the Fonepay Network.

### Is there a cost to use Siddhartha BankSmartXP?

Based on the provided information, the app itself is free to download and use. However, users need to have a valid account with Siddhartha Bank and subscribe to their Mobile Banking Service, which may have associated fees.

## Version history (last 5 releases)

### 7.7.163 — 2026-08-22

- Bug Fixes.

### 7.7.159 — 2026-07-20

- Bug Fixes.

### 7.2.143 — 2026-07-12

- Bug Fixes.

### 7.2.142 — 2026-06-25

- Bug Fixes.

### 7.2.138 — 2026-04-01

- Bug Fixes.

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## More apps by Siddhartha Bank Ltd.

- [Siddhartha BankOTP](https://appshunter.io/ios/app/siddhartha-bankotp/id1364928872)

All apps by Siddhartha Bank Ltd.: https://appshunter.io/developer/1361536004

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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 2026-08-25.*