# Siddhartha BankSmartXP vs connectIPS

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.

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.

## The numbers

| Metric | Siddhartha BankSmartXP | connectIPS |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (1.3K ratings)](https://appshunter.io/ios/app/siddhartha-banksmartxp/id1161312612/reviews)** | [2.2 (37 ratings)](https://appshunter.io/ios/app/connectips/id1449940087/reviews) |
| Number of ratings | **1.3K** | 37 |
| Positive reviews | **38.9% of reviews** | 8.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 3 weeks |
| Monetization | Free | Free |
| Size | 181 MB | 182 MB |
| Requires iOS | 13.0 | 13 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [Siddhartha Bank Ltd.](https://appshunter.io/developer/1361536004) | [Nepal Clearing House Ltd.](https://appshunter.io/developer/1449940086) |

## What reviewers say

### Siddhartha BankSmartXP

[App page](https://appshunter.io/ios/app/siddhartha-banksmartxp/id1161312612)

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.

**Highlights:** Banking on the go, Bill payments, Fund transfers, QR code payments, Account information access, Secure 128-bit SSL encryption

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly application
- 🚀 Quick and reliable service
- 💯 Excellent customer service
- 🌟 Great overall experience

**What reviewers complain about**

- 🐛 Frequent app crashes
- ⚠️ Unreliable transactions
- 🕰️ Slow and laggy performance
- 🤯 Frustrating technical issues

**Reported bugs**

- App freezes when changing password
- Compatibility issues with older iOS versions
- Inconsistent behavior during transactions

**Requested features**

- Add email support for users outside Nepal
- Improve fixed deposit functionality
- Enhance security features and password management


### connectIPS

[App page](https://appshunter.io/ios/app/connectips/id1449940087)

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.

**Highlights:** Link bank accounts, Payment processing, Fund transfers, Creditor payments, C2G payments, C2B payments, P2P payments

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 👍 Great app for banking transactions
- 👍 Service is awesome

**What reviewers complain about**

- 🐛 App crashing frequently
- 🐛 Session expired issues
- 🐛 Login problems
- 🐛 App crashes after updates
- 🐛 UI/UX issues with text visibility

**Reported bugs**

- 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

**Requested features**

- 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


## Frequently asked questions

### Is Siddhartha BankSmartXP free?

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

### Is connectIPS free?

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

### Which has better reviews, Siddhartha BankSmartXP or connectIPS?

Siddhartha BankSmartXP is rated higher. Siddhartha BankSmartXP averages 4.6 out of 5 from 1.3K ratings, while connectIPS averages 2.2 from 37 ratings.

### Do Siddhartha BankSmartXP or connectIPS have ads?

Neither Siddhartha BankSmartXP nor connectIPS shows ads.

### Which is updated more often, Siddhartha BankSmartXP or connectIPS?

Siddhartha BankSmartXP ships an update every 2 weeks, and connectIPS every 3 weeks. Most recently, Siddhartha BankSmartXP was updated on November 1, 2026 and connectIPS on October 24, 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.*