# IME Pay vs Siddhartha Smart Banking

The clearest difference is iOS requirement: IME Pay at 13.0 against Siddhartha Smart Banking's 15.6. 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.

IME Pay ships an update every 3 weeks, Siddhartha Smart Banking monthly. The most recent releases landed on November 2, 2026 and November 4, 2026 respectively.

## The numbers

| Metric | IME Pay | Siddhartha Smart Banking |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.8 (112 ratings)](https://appshunter.io/ios/app/ime-pay/id1241888344/reviews)** | — |
| Number of ratings | **112** | — |
| Positive reviews | 46.4% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Monthly |
| Monetization | Free | — |
| Size | 324 MB | 17 MB |
| Requires iOS | **13.0** | 15.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [IME Khalti Limited](https://appshunter.io/developer/1241888343) | [MICRO BANKER NEPAL](https://appshunter.io/developer/1349199275) |

## 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


### Siddhartha Smart Banking

[App page](https://appshunter.io/ios/app/siddhartha-smart-banking/id6477779173)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is IME Pay free?

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

### Is Siddhartha Smart Banking free?

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

### Do IME Pay or Siddhartha Smart Banking have ads?

Neither IME Pay nor Siddhartha Smart Banking shows ads.

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

IME Pay ships an update every 3 weeks, and Siddhartha Smart Banking monthly. Most recently, IME Pay was updated on November 2, 2026 and Siddhartha Smart Banking on November 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.*