Jyoti Mobile Banking vs connectIPS
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Jyoti Mobile Banking
Manage your bank account on the go with this secure mobile banking app. Perform bill payments, fund transfers, and QR code payments easily. Enjoy convenient banking from your handheld device anytime, anywhere.
- Banking on the go
- Bill payments
- Fund transfers
- QR code payments
- Account information access
- Secure transactions
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Jyoti Smart is Jyoti Bikas 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 Jyoti Bikas 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 Jyoti Smart 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 Jyoti Bikas Bank, and you need to subscribe to the Jyoti Bikas Bank's Mobile Banking Service. Banking has never been this simple and easier before. Enjoy Banking Without visiting your branch. Jyoti Smart is a Member of Fonepay Network. Smart Banking for Smart People.
connectIPS
This platform allows users to link bank accounts for seamless payment processing, fund transfers, and creditor payments. It supports various transaction types, including citizen-to-government, customer-to-business, and peer-to-peer payments directly from bank accounts.
- Link bank accounts
- Payment processing
- Fund transfers
- Creditor payments
- C2G payments
- C2B payments
- P2P payments
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connectIPS is a single payments platform that allows the customers to link their bank account(s) to enable payment processor, fund transfer and creditors payments. An extended product of Nepal Clearing House to support citizen-to-government (C2G), customer-to-business (C2B) and peer-to-peer (P2P) payment transactions directly from/to the bank accounts.
Screenshots
Verdict
Jyoti Mobile Banking and connectIPS both sit at 2.3 stars, but that hides the real split: 50% of Jyoti Mobile Banking's written reviews are positive against 8% of connectIPS's. connectIPS's advantage is ratings volume (37 vs 8). On price, rating, update cadence and ads 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 2.3 for Jyoti Mobile Banking against 2.2 for connectIPS. Both are backed by a comparable volume of ratings — 8 and 37 respectively. Written reviews are what separate them: 50% of Jyoti Mobile Banking's written reviews are positive against 8% of connectIPS's.
Jyoti Mobile Banking ships an update every 6 weeks, connectIPS every 3 weeks. The most recent releases landed on October 11, 2026 and October 20, 2026 respectively.
| Parameter | Jyoti Mobile Banking | connectIPS |
|---|---|---|
| Price | Free | Free |
| Rating | 2.3 (8 ratings) — better | 2.2 (37 ratings) |
| Positive reviews | 50.0% of reviews — better | 8.0% of reviews |
| Number of ratings | 8 | 37 — better |
| Update frequency | Every 6 weeks | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 12.4 — better | 13 |
| Further details — not scored | ||
| Size | 172 MB | 182 MB |
| Age rating | 17+ | 4+ |
| Developer | Jyoti Bikash Bank Limited | Nepal Clearing House Ltd. |
Customer experience
Jyoti Mobile Banking
connectIPS
Bugs and requests
Jyoti Mobile Banking
Not enough reviews yet to summarise bugs or requests.
connectIPS
Reported bugs
25 issues- App crashing after new update
- App closes when opened after a few days on iOS
- Issue in getting transaction summary
- Cannot log in on iOS 15.3.1, crashes immediately
- Biometric and traditional login not working
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- App crashes upon entering username and password
- Continuously says session expired
- Automatically logs out after login
- App takes a long time to retrieve device ID and notification ID
- Issue with selecting Bank Name of the recipient
- Issues for setting up default device
- OTP comes after five minutes on iOS, valid only for two minutes
- Every login says new Device detected
- EPF payment crashes the app on iPhone Xs on iOS 14.2
- App won't open
- Doesn't work after 2020 Sept 11 update
- White texts on white background
- Cannot see what is typed due to poor contrast
- Creepy UI on dark theme, fonts not visible
- Cannot login via iPhone X
- App keeps spinning and loading forever on iOS
- Titles and fields not rendered, buttons not displayed well on iOS
- Cannot register
- Password selection criteria not accepted
- Shows weak password while creating account
Requested features
8 requests- Add email OTP/verification
- Better international access support
- Add payment of water service
- Improve app performance for device ID retrieval
- Update system for password changes from email
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- Fix font visibility issues on iOS
- Improve UI/UX for text visibility
- Add 'please wait' indicator during login
In-app purchases
Jyoti Mobile Banking
No in-app purchases
connectIPS
No in-app purchases
Questions
Is Jyoti Mobile Banking free?
Is connectIPS free?
Which has better reviews, Jyoti Mobile Banking or connectIPS?
Do Jyoti Mobile Banking or connectIPS have ads?
Which is updated more often, Jyoti Mobile Banking or connectIPS?
Other comparisons
