# HBL Mobile vs NayaPay

The clearest difference is review sentiment: HBL Mobile at 79% against NayaPay's 32%. HBL Mobile also leads on monetization model (free vs free with in-app purchases) and device support (3 vs 1). NayaPay's advantage is rating (4.7 vs 4.4). 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.

NayaPay holds the better App Store score, 4.7 against 4.4. Both are backed by a comparable volume of ratings — 1.9K and 1.1K respectively. Written reviews complicate that: 79% of HBL Mobile's written reviews are positive against 32% of NayaPay's, so the app with the better star average is not the one people write more warmly about.

HBL Mobile ships an update fortnightly, NayaPay every 2 weeks. The most recent releases landed on September 23, 2026 and September 22, 2026 respectively.

## The numbers

| Metric | HBL Mobile | NayaPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (1.9K ratings)](https://appshunter.io/ios/app/hbl-mobile/id1123585628/reviews) | **[4.7 (1.1K ratings)](https://appshunter.io/ios/app/nayapay/id1621286305/reviews)** |
| Number of ratings | **1.9K** | 1.1K |
| Positive reviews | **79.1% of reviews** | 31.6% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 2 weeks |
| Monetization | **Free** | Free with in-app purchases |
| Size | 432 MB | 371 MB |
| Requires iOS | **15.0** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 17+ | 4+ |
| Developer | [HABIB BANK LIMITED](https://appshunter.io/developer/1123585627) | [NAYAPAY (PVT.) LIMITED](https://appshunter.io/developer/1621286307) |

## 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


### NayaPay

[App page](https://appshunter.io/ios/app/nayapay/id1621286305)

Manage all your finances in one place. Send money, pay bills, receive international remittances, and shop worldwide with a free Visa debit card. Get started instantly with no hidden fees.

**Highlights:** Send and receive money instantly, Pay bills from hundreds of merchants, Receive global remittances, Free virtual and physical Visa debit cards, Mobile top-ups and bundles, In-app chat for payments

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

**In-app purchases:** none

**What reviewers like**

- 👍 Best and fast
- 👍 Excellent Banking App
- 👍 Must Have
- 👍 Amazing..! Keep the good work up
- 👍 The very best out there!

**What reviewers complain about**

- 💰 Scammers. Non-transparent fees.
- 🐢 Slow and rude team
- 🚫 Not being able to receive OTP
- 🚫 Account Blocked — No Response from Support
- 💰 Nayapay is a Scam..Scammers

**Reported bugs**

- Transaction history and the screenshot
- Crashes when i try to authenticate.
- Not being able to pay my Utility bills

**Requested features**

- Add card support for Apple Pay wallet
- Previous screen shot option and transaction history has the full details of sender but now its hide so we cant see the account no and other this in history or in SS so please chnage the ss system or do the previous one which is perfect 👍
- Nayapay also should add personal loans option
- Utility bills ?


## Frequently asked questions

### Is HBL Mobile free?

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

### Is NayaPay free?

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

### Which has better reviews, HBL Mobile or NayaPay?

NayaPay is rated higher. HBL Mobile averages 4.4 out of 5 from 1.9K ratings, while NayaPay averages 4.7 from 1.1K ratings.

### Do HBL Mobile or NayaPay have ads?

Neither HBL Mobile nor NayaPay shows ads.

### Which is updated more often, HBL Mobile or NayaPay?

HBL Mobile ships an update fortnightly, and NayaPay every 2 weeks. Most recently, HBL Mobile was updated on September 23, 2026 and NayaPay on September 22, 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.*