HBL Mobile vs MCB Live
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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.
MCB Live
This digital banking app offers a secure and convenient way to manage your finances on the go. It features a new user interface for easy navigation and allows for a wide range of financial and non-financial transactions, including bill payments, fund transfers, and card management.
- Bill Payment to 1,000+ Billers
- Swift Fund Transfers
- Secure Transactions with OTP
- Multiple Accounts Management
- Card Management & Activation
- ATM Locator
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MCB Live is the new flagship digital banking solution of MCB Bank that has been designed from the ground up to offer new and improved services to our customers, with a view to securely and conveniently conduct financial and non-financial transactions. MCB Live has a completely new user interface and an intuitive layout that will enable you to conduct digital banking transactions conveniently on the go or from wherever you may be. MCB Live is Fresh, its Fast, its Futuristic! - MCB Live comes with a new set of features, just a few of which are mentioned below: - Bill Payment to 1,000+ Billers - Swiftly Transfer Funds to any Bank via Quick Transfer - Secure financial transactions through OTP - Multiple Accounts Management - Cheque Book Request, Status inquiry and Stop Cheque Request - Account Statement with details of up to 10 transactions - e-Statement Subscription & Un-subscription - Efficiently manage your MCB Debit and Credit Cards - Request for new/replacement Cards online - Activate your Cards for eCommerce, online & International use online - Lodge a detailed Complaint quickly from within the app - Conveniently Donate to leading NGOs and social causes - Download Withholding Tax Certificate - Locate your nearest MCB ATM through the in-app ATM Locator - & much, much more! In order to take advantage of the new MCB Live experience, please manually uninstall your existing app and then download the new app from this App Store. For any queries or concerns regarding MCB Live, please call 111-000-622 or send us an email at info@mcb.com.pk from your registered mobile number. Please note that MCB Bank will continue to provide technical support for MCB Mobile till the foreseen future. Thank you for your patronage and support.
Screenshots
Verdict
HBL Mobile and MCB Live both sit at 4.4 stars, but that hides the real split: 79% of HBL Mobile's written reviews are positive against 21% of MCB Live's. HBL Mobile also leads on update cadence (fortnightly vs every 6 weeks). On price, rating, ratings volume 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 — 4.4 for HBL Mobile against 4.3 for MCB Live. Both are backed by a comparable volume of ratings — 1.9K and 1.5K respectively. Written reviews are what separate them: 79% of HBL Mobile's written reviews are positive against 21% of MCB Live's.
HBL Mobile ships an update fortnightly, MCB Live every 6 weeks. Both last shipped on September 23, 2026.
| Parameter | HBL Mobile | MCB Live |
|---|---|---|
| Price | Free | Free |
| Rating | 4.4 (1.9K ratings) — better | 4.3 (1.5K ratings) |
| Positive reviews | 79.1% of reviews — better | 21.0% of reviews |
| Number of ratings | 1.9K — better | 1.5K |
| Update frequency | Fortnightly — better | Every 6 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 | 14.0 — better |
| Further details — not scored | ||
| Size | 432 MB | 566 MB |
| Age rating | 17+ | 4+ |
| Developer | HABIB BANK LIMITED | MCB Bank Ltd. |
Customer experience
HBL Mobile
MCB Live
User reviews
HBL Mobile
From 1.9K App Store ratingsWhat 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
MCB Live
From 1.5K App Store ratingsWhat we love
- 🚀 Smooth and user-friendly
- 🚀 Excellent app
- 🚀 Improved app
- 🚀 Good app, better than old app
Room to improve
- 🐛 Crashes, lags, and unresponsive
- 🐛 Glitchy, buggy, and unstable
- 🐛 Slow, freezes, and takes forever to load
- 🐛 Unreliable and unpredictable
- 🐛 Frequent login and transfer issues
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
MCB Live
Reported bugs
5 issues- App crashes or freezes frequently
- Login and registration issues
- Unable to transfer funds or make payments
- Incorrect account information and beneficiary details
- Compatibility issues with newer device updates
Requested features
5 requests- Allow copy-paste functionality
- Improve biometric login and verification
- Enhance transaction history and reporting
- Streamline bill payment and fund transfer process
- Provide more customization options
In-app purchases
HBL Mobile
No in-app purchases
MCB Live
No in-app purchases
