# DOST vs HBL Microfinance

The clearest difference is rating: HBL Microfinance at 3.3 against DOST's 2.8. HBL Microfinance also leads on ratings volume (20 vs 4). DOST's advantage is review sentiment (50% vs 17%). 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.

HBL Microfinance holds the better App Store score, 3.3 against 2.8. That said, the two scores are not equally well evidenced: HBL Microfinance has 20 ratings behind it against 4, so its average is the more settled of the two. Written reviews complicate that: 50% of DOST's written reviews are positive against 17% of HBL Microfinance's, so the app with the better star average is not the one people write more warmly about.

Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on September 23, 2026 and September 4, 2026 respectively.

## The numbers

| Metric | DOST | HBL Microfinance |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.8 (4 ratings)](https://appshunter.io/ios/app/dost-mmbl/id1196694532/reviews) | **[3.3 (20 ratings)](https://appshunter.io/ios/app/hbl-microfinance/id1463030414/reviews)** |
| Number of ratings | 4 | **20** |
| Positive reviews | **50.0% of reviews** | 16.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | Every 2 months |
| Monetization | Free | Free |
| Size | 138 MB | 199 MB |
| Requires iOS | 16 | **15.6** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Mobilink Microfinance Bank Limited](https://appshunter.io/developer/1196694531) | [FMFB Pakistan](https://appshunter.io/developer/1364824103) |

## What reviewers say

### DOST

[App page](https://appshunter.io/ios/app/dost-mmbl/id1196694532)

This digital banking app offers comprehensive online financial services for account holders. Manage money transfers, savings, loans, and bill payments securely and conveniently. Features include biometric verification, personalized themes, and easy access to account information.

**Highlights:** Secure money transfers up to PKR 1,500,000 daily, Yearly profit on savings, In-app loan applications and renewals, Bill payments and mobile top-ups, Biometric and Face ID verification, Female-centric theme option, Account statement and certificate downloads

**Features:** macOS Compatibility

**In-app purchases:** none


### HBL Microfinance

[App page](https://appshunter.io/ios/app/hbl-microfinance/id1463030414)

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:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is DOST free?

DOST 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, DOST or HBL Microfinance?

HBL Microfinance is rated higher. DOST averages 2.8 out of 5 from 4 ratings, while HBL Microfinance averages 3.3 from 20 ratings.

### Do DOST or HBL Microfinance have ads?

Neither DOST nor HBL Microfinance shows ads.

### Which is updated more often, DOST or HBL Microfinance?

DOST ships an update every 2 months, and HBL Microfinance every 2 months. Most recently, DOST was updated on September 23, 2026 and HBL Microfinance on September 4, 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.*