Comparison

Keenu vs HBL Microfinance

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Keenu

Manage your finances with a secure digital app. Save, spend, and send money instantly, pay bills, and top up mobile credit. Designed to simplify payments for everyone.

Highlights
  • Add money from multiple channels
  • Send, receive, and request money instantly
  • Pay bills without queues
  • Instant mobile top-ups
  • Secure transaction system
Features
Read full description

Best solution for all payments troubles! Keenu provides the fastest and the most secure payments through its digital App. One App solution to save, spend and manage your money hassle free. It's like payments were never easy before we came along. Our mission is to encourage the millions of unbanked Pakistanis to innovate with Keenu. How does it work? Just sign up with your registered mobile number & CNIC. What can you do with Keenu? Add Money: You can use multiple channels to add an amount. Make use of the cash as you like with assurance of a secure transaction system and no hidden charges Move Money: Send, receive & request money from anyone, anywhere, anytime with Keenu. Just link the account, enter the amount, and make an instant transfer. Bill Payment: Make bill payments without waiting in long queues. Open Keenu App, select Bill Payment, enter bill account number to fetch details and pay your bill in an instant. Mobile Top-ups: Instantly recharge your mobile service in simple steps. Select Network, Add mobile number, Add amount and load your balance without any delay. Keenu is the fastest & most secure way to pay and get paid. Let's begin with the journey!

About

HBL Microfinance

Manage your finances with this all-in-one banking and mobile wallet app. Send money, pay bills, recharge your phone, and apply for instant digital loans securely. Open a digital account and wallet for convenient mobile banking.

Highlights
  • Send and receive money instantly
  • Pay utility bills digitally
  • Recharge mobile load and bundles
  • Apply for instant digital loans
  • Manage bank account and debit card
  • Open digital bank account and wallet
Features
Read full description

Best Online Banking & Mobile Wallet App in Pakistan – HBL Microfinance Bank App Experience the future of digital banking in Pakistan with HBL Microfinance Bank App— the best online banking and mobile wallet app in Pakistan that combines Banking + Wallet services in one secure app. Send money, receive funds, pay bills, recharge mobiles, apply for instant digital loans, manage your bank account, and control your debit card all from your smartphone, anytime, anywhere in Pakistan. Open your digital bank account and wallet today and enjoy secure, fast, and convenient mobile banking. All-in-One Banking & Mobile Wallet App in Pakistan HBL Microfinance Bank allows you to manage both your bank account and mobile wallet seamlessly in one app, giving you complete control of your finances through secure digital banking services. Instant Money Transfer & Fund Transfer App Send and receive money instantly across Pakistan: • Transfer money to any bank account in Pakistan • Send money to mobile wallet users • Transfer funds within HBL Microfinance Bank accounts • Secure and instant 24/7 digital transactions One of the fastest and safest online money transfer apps in Pakistan. Mobile Load & Internet Bundle Recharge Recharge your mobile anytime: • Prepaid and postpaid mobile load for all networks • Internet and call bundles for Telenor & Ufone • Instant mobile recharge with secure payment The easiest mobile load and bundle recharge app in Pakistan. Online Utility Bill Payment App Pay all your bills digitally in seconds: • Electricity bill payment • Gas bill payment • Water bill payment • PTCL & internet bill payment • Multiple utility services supported Avoid long queues with one of the most reliable bill payment apps in Pakistan. Instant Nano Loans – Quick Digital Loan in Pakistan Get instant access to emergency funds with HBL Microfinance Bank App Nano Loan: • Apply digitally without paperwork • Get instant loan approval • Receive up to PKR 15,000 directly in your wallet • Flexible repayment options One of the most convenient instant loan apps in Pakistan. FPIN Your secure key to access and authorize transactions on your HBL Microfinance Bank app. Complete Bank Account Management Link and manage your HBL Microfinance Bank account digitally: • Real-time balance checking • Transaction history and account statements • Utility bill payments from bank account • Cheque book requests and tracking • Stop cheque facility • Tax certificate and account maintenance services • Dynamic QR payments • View profits, financing, and loan details

Screenshots

Keenu4 screens
HBL Microfinance4 screens

Verdict

The call

The clearest difference is review sentiment: Keenu at 44% against HBL Microfinance's 17%. Keenu also leads on rating (3.7 vs 3.4). On price, ratings volume, update cadence and ads 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Keenu holds the better App Store score, 3.7 against 3.4. Both are backed by a comparable volume of ratings — 9 and 21 respectively. Written reviews point the same way: 44% of Keenu's written reviews are positive against 17% of HBL Microfinance's.

UpkeepUpdate frequency

Keenu ships an update every 5 weeks, HBL Microfinance every 2 months. The most recent releases landed on October 24, 2026 and October 23, 2026 respectively.

Scorecard2 real differences · 8 level
Keenu versus HBL Microfinance: the parameters behind the verdict, then further details
ParameterKeenuHBL Microfinance
PriceFreeFree
Rating3.7 (9 ratings) — better3.4 (21 ratings)
Positive reviews44.4% of reviews — better16.7% of reviews
Number of ratings921 — better
Update frequencyEvery 5 weeks — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.615.6
Further details — not scored
Size114 MB201 MB
Age rating4+4+
DeveloperWEMSOL (PVT.) LIMITEDFMFB Pakistan

Customer experience

Keenu

All ratings9 ratings
Positive66.7%
Neutral0.0%
Negative33.3%
Written reviews9 reviews
Positive44.4%
Neutral11.1%
Negative44.4%

HBL Microfinance

All ratings21 ratings
Positive57.1%
Neutral4.8%
Negative38.1%
Written reviews6 reviews
Positive16.7%
Neutral33.3%
Negative50.0%

In-app purchases

None

Keenu

No in-app purchases

None

HBL Microfinance

No in-app purchases

Questions

Is Keenu free?
Keenu is free to download, with no in-app purchases.
Is HBL Microfinance free?
HBL Microfinance is free to download, with no in-app purchases.
Which has better reviews, Keenu or HBL Microfinance?
Keenu is rated higher. Keenu averages 3.7 out of 5 from 9 ratings, while HBL Microfinance averages 3.4 from 21 ratings.
Do Keenu or HBL Microfinance have ads?
Neither Keenu nor HBL Microfinance shows ads.
Which is updated more often, Keenu or HBL Microfinance?
Keenu ships an update every 5 weeks, and HBL Microfinance every 2 months. Most recently, Keenu was updated on October 24, 2026 and HBL Microfinance on October 23, 2026.

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