IME Pay vs eNMB
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
IME Pay
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.
- 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
Read full descriptionHide full description
Experience the legacy of IME now on your smartphone. Presenting IME Pay! With the aim to simplify daily life for all Nepalese, IME introduced IME Pay for easy, quick, and hassle-free online digital payments for day-to-day services. Licensed by Nepal Rastra Bank (NRB) and powered by IME Remit, IME Pay is now a leading payment gateway in Nepal. IME Pay is an advanced digital wallet that allows users to transfer money from wallet to wallet, pay utility bills and make purchases online or offline instantly with a few quick taps on their smartphones. It essentially brings all cash transactions to the tips of your fingers, from basic household purchases to high volume business trades. With our wide range of partners and merchants, we are dedicated to ease your everyday life by providing you the most lucrative offers. With Nepal’s largest IME network of 25,000+ touchpoints, we encourage our customers to make smart and safe payments digitally, within the convenience of their smartphones. All your payments are just a tap away with IME Pay! Our Features include: MONEY TRANSFER Add Money You can load money into your IME wallet account from various available mediums: • Linked Bank • E-banking/M-banking • Connect IPS • Nearby Agents IME Pay users can enjoy free banking transactions with linked banks like Global IME Bank, NIC Asia Bank, Siddhartha Bank, Bank of Kathmandu, Kumari Bank, NIBL Bank, and other banks. Send Money Send money feature makes IME Pay users to conveniently send/ transfer money to desired destinations: • IME Pay Wallet transfer • Cash Pickup • Bank Deposit Withdraw Money You can withdraw the desired amount from nearby IME Agents. Scan the QR code located in agent counters and cash out the desired amount. Request Money You can also request the desired amount to your friends and family. Both parties should be IME Pay users. UTILITY BILLS PAYMENT You can make quick and easy payments with a few taps on your smartphone. We offer a wide range of facilities to our valued customers. Our services include: • Mobile Top-up (NTC, Ncell & SmartCell) • Landline (Nepal Telecom) • Electricity (Nepal Electricity Authority NEA) • Water (Khanepani) • TV (DishHome, MeroTV, SkyTV and more) • Internet (Worldlink, Vianet, Subisu, ADSL and more) • EMI (MAW Investment, Jagdamba Credit &Hulas) • Insurance Premium (IME General Insurance, Sagarmatha, NECO & more) MERCHANT PAYMENTS You can make payments for products and services at IME Pay registered merchants including restaurants, cafes, convenience stores, and more. Scan QR codes placed in the payment counter at the merchant location or search for the merchant directly in the app. You can find various discounts and offers available at merchants in the “Deals” section. TICKETING We provide the option to find tickets according to your preferences and buy tickets directly from your smartphone. You can instantly book tickets via IME Pay for the following services: • Airlines • Movie Tickets • Chandragiri Hills Cable Car EVENTS Ticketing and Voting are facilitated by IME Pay where you can instantly purchase tickets to available events. Vote for your favorite contestants in TV shows or any other competitions integrated into the app. No more queue! No more traffic jams! No more penalty! Live a smart life, choose IME Pay today, and pay all your bills anytime from anywhere instantly!
eNMB
Manage your NMB Bank accounts and perform various banking transactions conveniently from your mobile device. Access self-service options, make transfers, pay bills, and update your account details on the go.
- Self-service account activation
- PIN reset and change
- View account balances and details
- Fund transfers (inter and intra-bank)
- Bill payments (school, water, electricity)
- Create Fixed Deposits
- Download and email statements
Read full descriptionHide full description
NMB Bank’s new Mobile Banking App is called eNMB, it provides banking on the go for all existing retail banking customers. If you are not an existing NMB Bank customer, you can open a savings account by visiting your nearest branch and then experience banking through our new application. If you are an existing NMB bank customer, you can download the application follow the simple one-time activation process, and experience the new digital experience. The new application is the first step towards the digital journey started by NMB Bank, the users can experience • Self services: - Self application activation for NMB Bank retail banking customers. - PIN reset. - Navigate to branches. - Navigate to ATM. - Contact support. - Change PIN. - FAQ • Banking on the go services: - View Accounts. - View FD. - View Loans. - Inter Bank Fund Transfer. - Intra Bank Fund Transfer. - Schedule Transfer. - Add Payee - Direct Transfer to Payee. - Create FD. - Email TDS. - Download & Email Statement • Services: - Stop check. - Occupation change. - Update marital status. - Update VAT/PAN. - Update the purpose of A/C. - Update the source of funds for A/C. - Update change in anticipated transactions to A/C. - Update number per year for the A/C. - Update temporary address • Pay Your Bills: - Pay school fees. - Pay water bill. - Pay electricity bill. - Topup Get started: To get started with eNMB, you just need your Customer Information File Number (CIF), In case you do not know your CIF number the application provides the option to fetch this number, you can follow the instructions. The app will take you through a one-time activation process when you download the mobile application and start the activation. eNMB App requires the following permissions: - Location: This is required for locating and navigating to the branches and ATM. - Photos / Media / Files / Camera: This is required to let you access the gallery / click an image to set a profile picture. Please note that your data is safe with NMB Bank. We do not share any information with the third party without your initiation. We never call you asking for your PIN, CIF, or Account numbers, please avoid giving such information to callers on the phone, email, or any other media for the security of your account.
Screenshots
Verdict
The clearest difference is rating: eNMB at 4.4 against IME Pay's 3.8. eNMB also leads on ratings volume (1.9K vs 112). IME Pay's advantage is review sentiment (46% vs 36%). On price, update cadence, ads and in-app purchases 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
eNMB holds the better App Store score, 4.4 against 3.8. That said, the two scores are not equally well evidenced: eNMB has 1.9K ratings behind it against 112, so its average is the more settled of the two. Written reviews complicate that: 46% of IME Pay's written reviews are positive against 36% of eNMB's, so the app with the better star average is not the one people write more warmly about.
IME Pay ships an update every 3 weeks, eNMB every 5 weeks. The most recent releases landed on October 14, 2026 and October 19, 2026 respectively.
| Parameter | IME Pay | eNMB |
|---|---|---|
| Price | Free | Free |
| Rating | 3.8 (112 ratings) | 4.4 (1.9K ratings) — better |
| Positive reviews | 46.4% of reviews — better | 35.6% of reviews |
| Number of ratings | 112 | 1.9K — better |
| Update frequency | Every 3 weeks — better | Every 5 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 13.0 | 13.0 |
| Further details — not scored | ||
| Size | 324 MB | 106 MB |
| Age rating | 4+ | 4+ |
| Developer | IME Khalti Limited | NMB Bank Ltd. |
Customer experience
IME Pay
eNMB
Bugs and requests
IME Pay
Reported bugs
29 issues- App doesn't work
- KYC team clueless
- App can't open
- App doesn't let complete transactions
- App stuck on loading screen
Show 24 moreShow fewer
- App crashes frequently
- App sometimes forces update
- App not supporting older devices
- App crashes on payment
- No login option after registration
- Registration required every time
- New device detected message
- Load fund not working
- Verification code not sent
- App crashes frequently on iOS
- Selfies for verification worthless
- App slow to process
- Electricity bill payment issues
- Bank not available
- Cannot see own balance
- Transaction not found issue
- Poor operator service
- Fix issues in IOS
- Server not available during registration
- Unwanted charges
- Verification code not received
- Cannot use mobile data
- Unsuccessful QR payment rate
- Spelling mistake on Update Profile
Requested features
28 requests- 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
Show 23 moreShow fewer
- Add support for international numbers
- Add more banks to link bank options
- Add QFX and Bigmovies cinemas
- Add IME Pay in NIC mobile apps
- Add Western Union service
- Increase cash back on TV and WiFi recharge
- Allow linking debit or credit cards
- Increase load money limit
- Reduce load charges by debit cards
- Support international cards for loading money
- Improve operator service
- Fix issues in IOS
- Add discount on electricity bill recharge
- Improve registration procedure
- Add login button for registered users
- Support for other countries
- Add balance option
- Allow registration from Australia
- Enable use with mobile data
- Add more banks to link bank options
- Add other cinemas
- Add IME Pay in NIC mobile apps
- Add Western Union service
eNMB
Not enough reviews yet to summarise bugs or requests.
In-app purchases
IME Pay
No in-app purchases
eNMB
No in-app purchases






