Comparison

FedMobile vs DhanSmart

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

FedMobile

This mobile banking application consolidates banking, bill payments, and UPI services into a single platform. Users can manage accounts, transfer funds, make payments, and access investment and loan services. It also offers account management features and service requests for a comprehensive banking experience.

Highlights
  • Account management and transaction viewing
  • Online fund transfers (UPI, IMPS, NEFT, RTGS)
  • Recharge and bill payments
  • Investment in gold and deposit schemes
  • Loan management and application
  • Digital passbook access
  • Service requests and card management
Features
Read full description

This revamped version of FedMobile– Federal Bank’s highly popular mobile banking application - comes with more user-friendly and advanced features than its predecessor, ensuring a richer and more pleasant experience for its users. We have combined Mobile Banking, FedBook and BHIM UPI into a single application plus a whole host of new features and services to make it a one stop shop for all your banking needs. Enriched with new banking and payment features, this version of the app is a complete package, which enables users to access and manage their accounts from anywhere, anytime; it enables the user to undertake – banking as well as non-banking transactions. Specific features include : Recharge & Bill Payments: Our recharge and bill payment sections allow you to do mobile/DTH/Fastag recharges and payment of a wide variety of bills including Mobile, Electricity, Water, Gas etc. Transfer funds online: Make payments and funds transfers online real-time, using payments methods like UPI, IMPS, NEFT, RTGS etc. BHIM UPI: We have integrated all the UPI functionalities into the app so that allows you to enjoy the full bouquet of UPI services using this app. FedBook: Bank’s digital passbook app is now available as an exclusive feature in FedMobile. This allows you to access all your accounts and statements without having to download FedBook separately. Investments: Using the app, you can now invest in Gold and Bank’s various deposit schemes. The “Help Me decide” feature in the app will guide you to the most suitable investment option among all the options. Loans: A full-fledged loans module allows you to manage all your loan accounts, repay loan instalments, apply for loans, and avail loans instantly. Account Services: The account services menu in the side bar allows you manage features linked to your account like Transaction limits, PIN, VPA, Biometric Login, Profile, Email IDs, Nominee details, ON/OFF/Block/Unblock debit cards etc. Service Requests: You can make an array of service requests like Cheque Book, submission of 15G/H, Download TDS certificates, Merchant Services: Our new merchant services section allows you to make Cab, Bus, Flights and Hotel Bookings. To experience the ease and convenience of a truly world-class mobile banking app, download the FedMobile now. Our developers are still fine tuning the app to help you see your accounts listed in the payments page faster and complete UPI, send money/scan and pay transactions quicker. Terms and conditions: https://federalbank.co.in/tandc For any queries related to FedMobile, please write to us at contact@federalbank.co.in or call us at 1800-425-1199/1800-420-1199(National Toll Free Number) or +91-484-2630995/2630995(for NRI customers)

About

DhanSmart

Access your Dhanlaxmi Bank accounts from your iPhone or iPad. Perform various banking tasks like viewing statements, transferring funds, and managing deposits remotely.

Highlights
  • Account summary viewing
  • Mini/Detailed statement access
  • Fund transfers (NEFT/RTGS)
  • Term and Recurring Deposit management
  • Cheque book and card requests
Features
Read full description

Dhanlaxmi Bank Mobile Banking gives you access to your account on your Iphone/Ipad. Now, you can perform your banking tasks from anywhere and at anytime! What can you do? - View Account, Deposit, Loan and Credit Card summaries - View Mini/Detailed statements - Transfer funds, including NEFT/RTGS transfers to other bank customers - Term Deposit and Recurring Deposit Open/Closure - Request Cheque Book, Stop Payment, Card Request, PIN Request etc.

Screenshots

FedMobile4 screens
DhanSmart4 screens

Verdict

The call

The clearest difference is rating: FedMobile at 4.5 against DhanSmart's 3.7. FedMobile also leads on ratings volume (1.4K vs 3) and review sentiment (37% vs 29%). DhanSmart's advantage is device support (3 vs 1) and iOS requirement (14.1 vs 17.0). On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

FedMobile holds the better App Store score, 4.5 against 3.7. That said, the two scores are not equally well evidenced: FedMobile has 1.4K ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 37% of FedMobile's written reviews are positive against 29% of DhanSmart's.

UpkeepUpdate frequency

FedMobile ships an update every 6 weeks, DhanSmart every 2 months. The most recent releases landed on September 25, 2026 and August 31, 2026 respectively.

Scorecard5 real differences · 5 level
FedMobile versus DhanSmart: the parameters behind the verdict, then further details
ParameterFedMobileDhanSmart
PriceFreeFree
Rating4.5 (1.4K ratings) — better3.7 (3 ratings)
Positive reviews37.3% of reviews — better28.9% of reviews
Number of ratings1.4K — better3
Update frequencyEvery 6 weeks — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS17.014.1 — better
Further details — not scored
Size238 MB113 MB
Age rating4+17+
DeveloperFederal BankDhanlaxmi Bank Ltd.

Customer experience

FedMobile

All ratings1,443 ratings
Positive88.2%
Neutral2.3%
Negative9.5%
Written reviews421 reviews
Positive37.3%
Neutral8.1%
Negative54.6%

DhanSmart

All ratings2 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews45 reviews
Positive28.9%
Neutral2.2%
Negative68.9%

Bugs and requests

FedMobile

Reported bugs

7 issues
  • Login issues
  • Device authentication failures
  • Crashes on opening the app
  • Inability to transfer funds
  • Incorrect account balance display
Show 2 more
  • Beneficiary management issues
  • Slow performance

Requested features

6 requests
  • Dark mode
  • Biometric login
  • Improved UPI and scan-to-pay features
  • Better account management features
  • More payment options
Show 1 more
  • Improved customer support

DhanSmart

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

FedMobile

No in-app purchases

None

DhanSmart

No in-app purchases

Questions

Is FedMobile free?
FedMobile is free to download, with no in-app purchases.
Is DhanSmart free?
DhanSmart is free to download, with no in-app purchases.
Which has better reviews, FedMobile or DhanSmart?
FedMobile is rated higher. FedMobile averages 4.5 out of 5 from 1.4K ratings, while DhanSmart averages 3.7 from 3 ratings.
Do FedMobile or DhanSmart have ads?
Neither FedMobile nor DhanSmart shows ads.
Which is updated more often, FedMobile or DhanSmart?
FedMobile ships an update every 6 weeks, and DhanSmart every 2 months. Most recently, FedMobile was updated on September 25, 2026 and DhanSmart on August 31, 2026.

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