Siddhartha BankSmartXP vs connectIPS
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Siddhartha BankSmartXP
Manage your Siddhartha Bank accounts conveniently from your mobile device. Perform transactions, pay bills, and transfer funds securely anytime, anywhere. Enjoy a user-friendly and safe banking experience without needing to visit a branch.
- Banking on the go
- Bill payments
- Fund transfers
- QR code payments
- Account information access
- Secure 128-bit SSL encryption
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Siddhartha BankSmart is Siddhartha Bank's Official Mobile Banking App. Enjoy easy banking from your hand held devices, from anywhere anytime. Manage and use your Bank Account on the move and around the clock with this secure Mobile Banking App from Siddhartha Bank. This App will be regularly updated with additional new features. Key Features: 1. Banking On the Go 2. Bill Payments Made Easier 3. Top Up Made Easier 4. Fund Transfers Made Easier 5. QR Code: Scan and Pay 6. Instant Online and Retail Payment with Fonepay Network 7. Accessing your Account Informations Made Easier 8. User Friendly, Safe and Secure 9. And Many More Exciting Features Siddhartha BankSmart helps protect your information by using 128-bit SSL encryption when you are logged on. To be able to use this App, you first need to have a valid account maintained at Siddhartha Bank, and you need to subscribe to the Siddhartha Bank's Mobile Banking Service. Banking has never been this simple and easier before. Enjoy Banking Without visiting your branch. Siddhartha BankSmart is a Member of Fonepay Network. Smart Banking for Smart People.
connectIPS
This platform allows users to link bank accounts for seamless payment processing, fund transfers, and creditor payments. It supports various transaction types, including citizen-to-government, customer-to-business, and peer-to-peer payments directly from bank accounts.
- Link bank accounts
- Payment processing
- Fund transfers
- Creditor payments
- C2G payments
- C2B payments
- P2P payments
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connectIPS is a single payments platform that allows the customers to link their bank account(s) to enable payment processor, fund transfer and creditors payments. An extended product of Nepal Clearing House to support citizen-to-government (C2G), customer-to-business (C2B) and peer-to-peer (P2P) payment transactions directly from/to the bank accounts.
Screenshots
Verdict
The clearest difference is rating: Siddhartha BankSmartXP at 4.6 against connectIPS's 2.2. Siddhartha BankSmartXP also leads on review sentiment (39% vs 8%) and ratings volume (1.3K vs 37). On price, update cadence, ads and in-app purchases 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.
Siddhartha BankSmartXP holds the better App Store score, 4.6 against 2.2. That said, the two scores are not equally well evidenced: Siddhartha BankSmartXP has 1.3K ratings behind it against 37, so its average is the more settled of the two. Written reviews point the same way: 39% of Siddhartha BankSmartXP's written reviews are positive against 8% of connectIPS's.
Siddhartha BankSmartXP ships an update every 2 weeks, connectIPS every 3 weeks. The most recent releases landed on November 1, 2026 and October 24, 2026 respectively.
| Parameter | Siddhartha BankSmartXP | connectIPS |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (1.3K ratings) — better | 2.2 (37 ratings) |
| Positive reviews | 38.9% of reviews — better | 8.0% of reviews |
| Number of ratings | 1.3K — better | 37 |
| Update frequency | Every 2 weeks — better | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 | 13 |
| Further details — not scored | ||
| Size | 181 MB | 182 MB |
| Age rating | 17+ | 4+ |
| Developer | Siddhartha Bank Ltd. | Nepal Clearing House Ltd. |
Customer experience
Siddhartha BankSmartXP
connectIPS
User reviews
Siddhartha BankSmartXP
From 1.3K App Store ratingsWhat we love
- 👍 User-friendly application
- 🚀 Quick and reliable service
- 💯 Excellent customer service
- 🌟 Great overall experience
Room to improve
- 🐛 Frequent app crashes
- ⚠️ Unreliable transactions
- 🕰️ Slow and laggy performance
- 🤯 Frustrating technical issues
connectIPS
From 37 App Store ratingsWhat we love
- 👍 Great app for banking transactions
- 👍 Service is awesome
Room to improve
- 🐛 App crashing frequently
- 🐛 Session expired issues
- 🐛 Login problems
- 🐛 App crashes after updates
- 🐛 UI/UX issues with text visibility
Bugs and requests
Siddhartha BankSmartXP
Reported bugs
3 issues- App freezes when changing password
- Compatibility issues with older iOS versions
- Inconsistent behavior during transactions
Requested features
3 requests- Add email support for users outside Nepal
- Improve fixed deposit functionality
- Enhance security features and password management
connectIPS
Reported bugs
25 issues- App crashing after new update
- App closes when opened after a few days on iOS
- Issue in getting transaction summary
- Cannot log in on iOS 15.3.1, crashes immediately
- Biometric and traditional login not working
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- App crashes upon entering username and password
- Continuously says session expired
- Automatically logs out after login
- App takes a long time to retrieve device ID and notification ID
- Issue with selecting Bank Name of the recipient
- Issues for setting up default device
- OTP comes after five minutes on iOS, valid only for two minutes
- Every login says new Device detected
- EPF payment crashes the app on iPhone Xs on iOS 14.2
- App won't open
- Doesn't work after 2020 Sept 11 update
- White texts on white background
- Cannot see what is typed due to poor contrast
- Creepy UI on dark theme, fonts not visible
- Cannot login via iPhone X
- App keeps spinning and loading forever on iOS
- Titles and fields not rendered, buttons not displayed well on iOS
- Cannot register
- Password selection criteria not accepted
- Shows weak password while creating account
Requested features
8 requests- Add email OTP/verification
- Better international access support
- Add payment of water service
- Improve app performance for device ID retrieval
- Update system for password changes from email
Show 3 moreShow fewer
- Fix font visibility issues on iOS
- Improve UI/UX for text visibility
- Add 'please wait' indicator during login
In-app purchases
Siddhartha BankSmartXP
No in-app purchases
connectIPS
No in-app purchases
Questions
Is Siddhartha BankSmartXP free?
Is connectIPS free?
Which has better reviews, Siddhartha BankSmartXP or connectIPS?
Do Siddhartha BankSmartXP or connectIPS have ads?
Which is updated more often, Siddhartha BankSmartXP or connectIPS?
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