# HBL Mobile vs ePay Punjab

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.

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

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.

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.

## The numbers

| Metric | HBL Mobile | ePay Punjab |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (1.9K ratings)](https://appshunter.io/ios/app/hbl-mobile/id1123585628/reviews) | **[4.8 (1.4K ratings)](https://appshunter.io/ios/app/epay-punjab/id1465068821/reviews)** |
| Number of ratings | **1.9K** | 1.4K |
| Positive reviews | **78.7% of reviews** | 58.5% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 3 weeks |
| Monetization | Free | Free |
| Size | 432 MB | 27 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [HABIB BANK LIMITED](https://appshunter.io/developer/1123585627) | [PUNJAB INFORMATION TECHNOLOGY BOARD](https://appshunter.io/developer/1126071827) |

## What reviewers say

### HBL Mobile

[App page](https://appshunter.io/ios/app/hbl-mobile/id1123585628)

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

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

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

**Requested features**

- 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

[App page](https://appshunter.io/ios/app/epay-punjab/id1465068821)

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:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

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

**Requested features**

- Please add Face ID option for login


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*