IME Pay vs KS Digi
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
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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!
KS Digi
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Introducing the brand new Kamana Sewa Digital Banking app. KS DigiBank, a highly secure banking allows customers to stay on top of their accounts with a host of innovative features such as: - Digital Onboarding - Opening of new account in a minute with Instant KYC using Artificial Intelligence. - Video Banking & Branchless Banking - Video call your Bank's Relationship Manager to complete any of your banking needs from the comfort of your home. - Watch Banking - Use your Apple watch for easy access to banking services. - Agent Cash Withdrawal - Withdraw cash at any of Kamana Sewa Bank Agent Locations without visiting ATM, even in remote areas. - Send cash to friends and family and have them collect the cash at one of the Agent Locations. - Merchant QR Payments - Top up & Bill Payments
Screenshots
Verdict
IME Pay and KS Digi are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.
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.
Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on October 24, 2026 and October 23, 2026 respectively.
| Parameter | IME Pay | KS Digi |
|---|---|---|
| Price | Free | Free |
| Rating | 3.8 (112 ratings) — better | — |
| Positive reviews | 46.4% of reviews | — |
| Number of ratings | 112 — better | — |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPad, iPod | iPhone, iPod, Apple Watch |
| Requires iOS | 13.0 | 12.3 — better |
| Further details — not scored | ||
| Size | 324 MB | 109 MB |
| Age rating | 4+ | 4+ |
| Developer | IME Khalti Limited | Kamana Sewa Bikas Bank Ltd. |
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
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- 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
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- 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
KS Digi
Not enough reviews yet to summarise bugs or requests.
In-app purchases
IME Pay
No in-app purchases
KS Digi
No in-app purchases
