HBL Mobile vs digiBOP
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.
digiBOP
Manage your everyday banking needs conveniently and securely from anywhere. This app allows for easy fund transfers, bill payments, mobile recharges, and account management. You can also activate and manage your debit cards, find nearby ATMs, and access exclusive discounts.
- Funds Transfer (own accounts, BOP, other banks, wallets)
- Bill Payments (utilities, credit cards, online shopping, government)
- Mobile Recharge/Top-up
- Account Information & Transaction History
- Debit Card Management (activate, lock/unlock)
- Locate ATMs and Branches
- Secure Touch ID Login
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A unique digital banking experience with digiBOP Mobile Banking App. Experience convenient and seamless digital banking with the latest digiBOP Mobile App. Offering unique features and improved interface, BOP customers can now attend their everyday banking needs anywhere, anytime with the redefined mobile banking app digiBOP. Funds Transfer: • Transfer within own Accounts • Transfer Funds to BOP Accounts, • Transfer Funds to other bank accounts via RAAST/1-Link • Transfer Funds to wallets/microfinance bank accounts/wallets Bill Payments: • Utility bill payments • Credit Card & Loan Accounts payments • Online Shopping Companies bill payment • Pay Government challans and fees (FBR payments) Mobile Recharge/ Top up • Recharge/ top up your prepaid/ postpaid mobile (Jazz, Telenor, Zong, Ufone) • Purchase prepaid super-card/bundles with BOP mobile banking Account Information • View your account(s) balance(s) and other account details (Branch, IBAN) • Manage multiple accounts with ease • View your transaction history and account statement Card Management: • Activate your debit card • Lock/unlock debit card • Manage permissions on your debit/credit cards Discount & Offers: • Search & Navigate to the nearby deals and discounts offered on BOP cards (Debit/Credit) with BOP mobile banking Locate Us: • Find the nearby BOP ATMs and Branches Basic Banking features: • Login through secure touch ID • Beneficiary Management • Payee Management • Contact Us for complaint and queries • Update your mobile number/password Feedback: • Leave a message and one of our customer care representatives will get back to you Let us know your feedback regarding the BOP mobile banking app Follow us • facebook.com/thebankofpunjab • twitter.com/thebankofpunjab • Visit us: bop.com.pk
Screenshots
Verdict
The clearest difference is review sentiment: HBL Mobile at 79% against digiBOP's 2%. HBL Mobile also leads on rating (4.4 vs 1.1) and ratings volume (1.9K vs 12). digiBOP's advantage is iOS requirement (12.0 vs 15.0). On price, ads, in-app purchases and monetization model 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.
HBL Mobile holds the better App Store score, 4.4 against 1.1. That said, the two scores are not equally well evidenced: HBL Mobile has 1.9K ratings behind it against 12, so its average is the more settled of the two. Written reviews point the same way: 79% of HBL Mobile's written reviews are positive against 2% of digiBOP's.
HBL Mobile ships an update fortnightly, digiBOP monthly. The most recent releases landed on September 23, 2026 and September 21, 2026 respectively.
| Parameter | HBL Mobile | digiBOP |
|---|---|---|
| Price | Free | Free |
| Rating | 4.4 (1.9K ratings) — better | 1.1 (12 ratings) |
| Positive reviews | 79.1% of reviews — better | 1.5% of reviews |
| Number of ratings | 1.9K — better | 12 |
| Update frequency | Fortnightly — better | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.0 | 12.0 — better |
| Further details — not scored | ||
| Size | 432 MB | 187 MB |
| Age rating | 17+ | 4+ |
| Developer | HABIB BANK LIMITED | The Bank Of Punjab |
Customer experience
HBL Mobile
digiBOP
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
digiBOP
From 12 App Store ratingsWhat we love
- 👍 Nice and good bank
Room to improve
- 😞 Unable to sign up
- 😞 OTP issues (disappears, not typeable, not received)
- 😞 Login problems (tough, errors, profile locked)
- 😞 App crashes frequently
- 😞 Poor customer service
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
digiBOP
Reported bugs
12 issues- OTP disappears automatically
- OTP cannot be typed or pasted
- OTP not received
- App crashes on startup
- Login screen freezes or shows errors
Show 7 moreShow fewer
- Profile locked error
- Cannot add new payees/beneficiaries
- App hangs and gets stuck
- Previous version worked better
- New version not picking card data
- Auto-fetch OTP error
- App crashes on iPhone iOS version 12.5.5
Requested features
8 requests- Update app
- Fix OTP issues
- Improve login process
- Improve customer service
- Fix bugs and errors
Show 3 moreShow fewer
- Improve UI/UX
- Hire better developers
- Make app work properly
In-app purchases
HBL Mobile
No in-app purchases
digiBOP
No in-app purchases
