# Siddhartha BankSmartXP vs TR Pay

The clearest difference is update cadence: Siddhartha BankSmartXP at every 2 weeks against TR Pay's every 4 weeks. Siddhartha BankSmartXP also leads on iOS requirement (13.0 vs 17.0). On price, ads, in-app purchases and device support 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 ships an update every 2 weeks, TR Pay every 4 weeks. The most recent releases landed on November 11, 2026 and November 8, 2026 respectively.

## The numbers

| Metric | Siddhartha BankSmartXP | TR Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (1.3K ratings)](https://appshunter.io/ios/app/siddhartha-banksmartxp/id1161312612/reviews)** | — |
| Number of ratings | **1.3K** | — |
| Positive reviews | 38.9% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 4 weeks |
| Monetization | Free | — |
| Size | 181 MB | 32 MB |
| Requires iOS | **13.0** | 17.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 17+ | 17+ |
| Developer | [Siddhartha Bank Ltd.](https://appshunter.io/developer/1361536004) | [TRANSFER RAPID ELECTRONIC SRL](https://appshunter.io/developer/1702191089) |

## 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


### TR Pay

[App page](https://appshunter.io/ios/app/tr-pay/id6475778968)

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

**In-app purchases:** none


## Frequently asked questions

### Is Siddhartha BankSmartXP free?

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

### Is TR Pay free?

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

### Do Siddhartha BankSmartXP or TR Pay have ads?

Neither Siddhartha BankSmartXP nor TR Pay shows ads.

### Which is updated more often, Siddhartha BankSmartXP or TR Pay?

Siddhartha BankSmartXP ships an update every 2 weeks, and TR Pay every 4 weeks. Most recently, Siddhartha BankSmartXP was updated on November 11, 2026 and TR Pay on November 8, 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.*