# HBL Mobile vs MCB Live

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.

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.

## The numbers

| Metric | HBL Mobile | MCB Live |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.4 (1.9K ratings)](https://appshunter.io/ios/app/hbl-mobile/id1123585628/reviews)** | [4.3 (1.5K ratings)](https://appshunter.io/ios/app/mcb-live/id1584933248/reviews) |
| Number of ratings | **1.9K** | 1.5K |
| Positive reviews | **79.1% of reviews** | 21.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 6 weeks |
| Monetization | Free | Free |
| Size | 432 MB | 566 MB |
| Requires iOS | 15.0 | **14.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 17+ | 4+ |
| Developer | [HABIB BANK LIMITED](https://appshunter.io/developer/1123585627) | [MCB Bank Ltd.](https://appshunter.io/developer/1020212373) |

## 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


### MCB Live

[App page](https://appshunter.io/ios/app/mcb-live/id1584933248)

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.

**Highlights:** Bill Payment to 1,000+ Billers, Swift Fund Transfers, Secure Transactions with OTP, Multiple Accounts Management, Card Management & Activation, ATM Locator

**Features:** macOS Compatibility, Siri integration, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Smooth and user-friendly
- 🚀 Excellent app
- 🚀 Improved app
- 🚀 Good app, better than old app

**What reviewers complain about**

- 🐛 Crashes, lags, and unresponsive
- 🐛 Glitchy, buggy, and unstable
- 🐛 Slow, freezes, and takes forever to load
- 🐛 Unreliable and unpredictable
- 🐛 Frequent login and transfer issues

**Reported bugs**

- 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**

- 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


## Frequently asked questions

### Is HBL Mobile free?

HBL Mobile is free to download, with no in-app purchases.

### Is MCB Live free?

MCB Live is free to download, with no in-app purchases.

### Which has better reviews, HBL Mobile or MCB Live?

HBL Mobile is rated higher. HBL Mobile averages 4.4 out of 5 from 1.9K ratings, while MCB Live averages 4.3 from 1.5K ratings.

### Do HBL Mobile or MCB Live have ads?

Neither HBL Mobile nor MCB Live shows ads.

### Which is updated more often, HBL Mobile or MCB Live?

HBL Mobile ships an update fortnightly, and MCB Live every 6 weeks. Most recently, HBL Mobile was updated on September 23, 2026 and MCB Live on September 23, 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.*