Comparison

HBL Mobile vs ePay Punjab

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

Head to head
About

HBL Mobile

Manage your finances conveniently and securely from your smartphone. Perform transactions like bill payments, fund transfers, and view account details. Access banking services anytime, anywhere.

Highlights
  • View and download account statements
  • Funds transfer between accounts
  • Bill payments (utility, mobile, education)
  • Credit card payments
  • QR payments
  • Investment in mutual funds
  • Manage debit/credit cards
Read full description

Signup or login on new version of HBL Mobile for your daily banking & lifestyle needs. Key Financial Features: • Transfers – Enjoy seamless funds transfer to any bank account and save your friends and family as receivers. • Payments – Pay utility bills, education fees, and more in seconds. Just select your bill company and pay with a tap. • Top up – Recharge your prepaid balance, pay your postpaid bills or subscribe to mobile bundles, anytime, anywhere. • Scan to Pay – Go card-less and cashless on your shopping adventures with Scan to Pay feature. • Lifestyle – Shopping, Travel, and more! Service Requests: • Tax Certificates – Instantly download your tax related documents • Account Statement – Access your account statements within few taps • Card Management – Activate, replace & manage your HBL Cards Why HBL Mobile? • Refreshed look, simplified journeys and new features • Secure transactions with biometric and T-PIN protection • Wide range of services including utility payments, mobile recharge, money transfers, and more • Available 24/7 — bank anytime, anywhere Download now and experience the smarter way to bank with HBL Mobile. Leave your feedback and rate our app so we can serve you better.

About

ePay Punjab

This app allows citizens of Punjab to digitally pay various government taxes and fees through internet banking, ATMs, or over-the-counter transactions. Generate a unique payment ID to complete your tax obligations easily and conveniently.

Highlights
  • Digital tax payments
  • Internet banking
  • ATM payments
  • OTC banking transactions
  • Generate unique PSID
  • Various tax types supported
Features
Read full description

What is e-Pay? e-Pay is the first ever government payment gateway designed to allow the citizens of Punjab to pay their taxes digitally through alternative delivery channels (ADC). The solution that is developed by The Punjab Information Technology Board and backed by the Finance Department of Punjab provides individuals to pay their dues using the following three payment channels. • Internet Banking • ATM • OTC (Over the Counter) banking transaction Payment Process and Channels To pay the tax dues, an individual will access e-Pay application or website to generate a 17-digit PSID number. The PSID number that is unique for each transaction could subsequently be used on the aforementioned three payment channels i.e. internet banking, ATM or OTC by the citizens to pay the tax dues. All three payment channels are made technically equipped to process the payments through the collective efforts of The Finance Department of Punjab, State Bank of Pakistan, 1-Link, all scheduled banks, and Punjab Information Technology Board (PITB). 

In its first phase (FY 18 -19) following tax receipts can be paid via e-Pay: Excise & Taxation • Token Tax for Vehicle • Motor Vehicle Registration • Vehicle Transfer • Property Tax • Professional Tax • Cotton fee Board of Revenue (BOR) • e Stamping • Mutation fee • Fard fee Industries • Business Registration fee 
 Tax Descriptions Token Tax for Vehicle: Annual tax paid by owners of motor vehicles. Motor Vehicle Registration: One-time fee paid by the buyer of new vehicle at the time of purchase. Vehicle Transfer: Fee paid at the time of transfer of vehicle to a new owner. Property Tax: Annual tax paid by property owners in urban areas. Professional Tax: Taxes paid by the working professional on his profession on an annual basis. Cotton Fee: Fee paid on raw cotton brought to ginning factory. e-Stamping: Payment of stamp duties on judicial, non-judicial, CVT, registration and comparison fee. Mutation Fee: Fee paid by the buyer at the time of transfer of property to a new owner. Fard Fee: Fee paid by the owner of property for the issuance of property ownership document. Business Registration Fee: Fee paid by the owner to register his business.

Screenshots

HBL Mobile4 screens
ePay Punjab4 screens

Verdict

The call

The clearest difference is rating: ePay Punjab at 4.8 against HBL Mobile's 4.4. ePay Punjab also leads on iOS requirement (13.0 vs 15.0). HBL Mobile's advantage is review sentiment (79% vs 58%). On price, ratings volume, 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

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

ePay Punjab holds the better App Store score, 4.8 against 4.4. Both are backed by a comparable volume of ratings — 1.9K and 1.4K respectively. Written reviews complicate that: 79% of HBL Mobile's written reviews are positive against 58% of ePay Punjab's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

HBL Mobile ships an update fortnightly, ePay Punjab every 3 weeks. The most recent releases landed on October 22, 2026 and October 25, 2026 respectively.

Scorecard3 real differences · 7 level
HBL Mobile versus ePay Punjab: the parameters behind the verdict, then further details
ParameterHBL MobileePay Punjab
PriceFreeFree
Rating4.4 (1.9K ratings)4.8 (1.4K ratings) — better
Positive reviews78.7% of reviews — better58.5% of reviews
Number of ratings1.9K — better1.4K
Update frequencyFortnightly — betterEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.013.0 — better
Further details — not scored
Size432 MB27 MB
Age rating17+4+
DeveloperHABIB BANK LIMITEDPUNJAB INFORMATION TECHNOLOGY BOARD

Customer experience

HBL Mobile

All ratings1,890 ratings
Positive84.3%
Neutral3.7%
Negative12.0%
Written reviews779 reviews
Positive78.7%
Neutral3.5%
Negative17.8%

ePay Punjab

All ratings1,428 ratings
Positive94.4%
Neutral2.3%
Negative3.3%
Written reviews65 reviews
Positive58.5%
Neutral3.1%
Negative38.5%

User reviews

HBL Mobile

From 1.9K App Store ratings

What we love

  • 👍 User-friendly app
  • 🚀 Fast and efficient
  • 🔒 Secure banking
  • 💡 Convenient features (bill payments, money transfers, etc.)
  • 👍 Easy to navigate

Room to improve

  • 🐛 Occasional crashes or errors
  • 🐛 Biometric verification issues
  • 🐛 Compatibility problems with newer iOS versions
  • 🐛 Slow performance at times
  • 🐛 Maintenance downtime disruptions

ePay Punjab

From 1.4K App Store ratings

What we love

  • 👍 Excellent
  • 👍 App works great
  • 👍 Brilliant service
  • 👍 Love this app
  • 👍 Good work

Room to improve

  • 🐛 Registration and Charges
  • 🐛 Not responds on email
  • 🐛 POOR DEV TEAM
  • 🚩 Scam
  • 🚩 Vehicle not found

Bugs and requests

HBL Mobile

Reported bugs

4 issues
  • Biometric verification not working
  • App crashing on newer iOS versions
  • Transactions not showing up correctly
  • Scheduled payments not processing as expected

Requested features

5 requests
  • Add Face ID/Touch ID login option
  • Improve transaction history display
  • Increase funds transfer limits
  • Add more payment options (e.g., credit card bill payments for other banks)
  • Improve app stability and reduce crashes

ePay Punjab

Reported bugs

2 issues
  • Invalid Registration Number - Issue Resolved!
  • Vehicle token taxes are due for the year 2022 and epay punjab stopped working

Requested features

1 request
  • Please add Face ID option for login

In-app purchases

None

HBL Mobile

No in-app purchases

None

ePay Punjab

No in-app purchases

Questions

Is HBL Mobile free?
HBL Mobile is free to download, with no in-app purchases.
Is ePay Punjab free?
ePay Punjab is free to download, with no in-app purchases.
Which has better reviews, HBL Mobile or ePay Punjab?
ePay Punjab is rated higher. HBL Mobile averages 4.4 out of 5 from 1.9K ratings, while ePay Punjab averages 4.8 from 1.4K ratings.
Do HBL Mobile or ePay Punjab have ads?
Neither HBL Mobile nor ePay Punjab shows ads.
Which is updated more often, HBL Mobile or ePay Punjab?
HBL Mobile ships an update fortnightly, and ePay Punjab every 3 weeks. Most recently, HBL Mobile was updated on October 22, 2026 and ePay Punjab on October 25, 2026.

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