# IME Pay vs NMC Smart

The clearest difference is review sentiment: IME Pay at 46% against NMC Smart's 0%. IME Pay also leads on rating (3.8 vs 1.0) and update cadence (every 3 weeks vs every 4 months). On price, ads, in-app purchases and monetization model there is nothing between them.

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

IME Pay holds the better App Store score, 3.8 against 1.0. That said, the two scores are not equally well evidenced: IME Pay has 112 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 46% of IME Pay's written reviews are positive against 0% of NMC Smart's.

IME Pay ships an update every 3 weeks, NMC Smart every 4 months. The most recent releases landed on October 14, 2026 and October 22, 2026 respectively.

## The numbers

| Metric | IME Pay | NMC Smart |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.8 (112 ratings)](https://appshunter.io/ios/app/ime-pay/id1241888344/reviews)** | [1.0 (1 ratings)](https://appshunter.io/ios/app/nmc-smart/id1461696175/reviews) |
| Number of ratings | **112** | 1 |
| Positive reviews | **46.4% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 4 months |
| Monetization | Free | Free |
| Size | 324 MB | 73 MB |
| Requires iOS | 13.0 | **12.1** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [IME Khalti Limited](https://appshunter.io/developer/1241888343) | [NMC Multipurpose Cooperative Ltd.](https://appshunter.io/developer/1461696174) |

## What reviewers say

### IME Pay

[App page](https://appshunter.io/ios/app/ime-pay/id1241888344)

This digital wallet simplifies daily life in Nepal by enabling quick, hassle-free online payments for various services. Transfer money, pay bills, and make purchases instantly with a few taps. It offers a secure and convenient way to manage cash transactions digitally.

**Highlights:** Wallet to wallet money transfer, Utility bill payments, Merchant QR code payments, Add money from linked banks, Cash pickup and bank deposit options, Request money from contacts, Airline and movie ticket booking

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

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 👍 Good features
- 👍 Reliable eWallet
- 👍 Good UI
- 👍 Smooth app performance

**What reviewers complain about**

- 😞 Unprofessional customer care
- 😞 App doesn't work
- 😞 Clueless KYC team
- 😞 App can't open
- 😞 Worst app

**Reported bugs**

- App doesn't work
- KYC team clueless
- App can't open
- App doesn't let complete transactions
- App stuck on loading screen

**Requested features**

- Add service transfer IMEPay to other wallets
- Add more services and payments
- Add option for load money via international card
- Improve minimum top-up amount
- Add option for NRN users


### NMC Smart

[App page](https://appshunter.io/ios/app/nmc-smart/id1461696175)

Manage your bank account conveniently from your mobile device. Perform transactions, pay bills, and transfer funds securely anytime, anywhere. Enjoy easy access to your account information and make payments using QR codes.

**Highlights:** Banking on the go, Bill payments, Top-ups, Fund transfers, QR code payments, Account information access

**In-app purchases:** none


## Frequently asked questions

### Is IME Pay free?

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

### Is NMC Smart free?

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

### Which has better reviews, IME Pay or NMC Smart?

IME Pay is rated higher. IME Pay averages 3.8 out of 5 from 112 ratings, while NMC Smart averages 1.0 from 1 ratings.

### Do IME Pay or NMC Smart have ads?

Neither IME Pay nor NMC Smart shows ads.

### Which is updated more often, IME Pay or NMC Smart?

IME Pay ships an update every 3 weeks, and NMC Smart every 4 months. Most recently, IME Pay was updated on October 14, 2026 and NMC Smart on October 22, 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.*