Comparison

IME Pay vs Xuno

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

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
Read 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!

About

Xuno

This platform facilitates international money transfers and currency conversion for individuals and businesses. It offers tools to manage transactions, competitive savings rates, and loan options to help users achieve financial goals globally.

Highlights
  • Cross-border payments
  • Currency conversion
  • Transaction management
  • Competitive savings rates
  • Loan exploration
  • Global banking access
Features
Read full description

Xuno is a fintech platform developed by Involute Inc. that empowers individuals and businesses to connect with global banking and payment networks, breaking barriers between emerging and developed economies. Here’s how it works for you: Convert: Transfer money and convert it to your local currency whenever you need. Control: Easily manage your transactions with tools designed for your needs. Capitalize: Save with competitive rates or explore loans to achieve your goals. Start today and discover a simpler, smarter way to send, receive, and manage money worldwide!

Screenshots

IME Pay4 screens
Xuno4 screens

Verdict

The call

The clearest difference is rating: Xuno at 4.2 against IME Pay's 3.8. Xuno also leads on review sentiment (57% vs 46%). IME Pay's advantage is ratings volume (112 vs 14) and iOS requirement (13.0 vs 16.0). 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

Xuno holds the better App Store score, 4.2 against 3.8. That said, the two scores are not equally well evidenced: IME Pay has 112 ratings behind it against 14, 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 57% of Xuno's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on August 22, 2026 and September 13, 2026 respectively.

Scorecard4 real differences · 6 level
IME Pay versus Xuno: the parameters behind the verdict, then further details
ParameterIME PayXuno
PriceFreeFree
Rating3.8 (112 ratings)4.2 (14 ratings) — better
Positive reviews46.4% of reviews57.1% of reviews — better
Number of ratings112 — better14
Update frequencyEvery 3 weeksEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS13.0 — better16.0
Further details — not scored
Size324 MB103 MB
Age rating4+4+
DeveloperIME Khalti LimitedInvolute Inc

Customer experience

IME Pay

All ratings112 ratings
Positive69.6%
Neutral6.3%
Negative24.1%
Written reviews69 reviews
Positive46.4%
Neutral5.8%
Negative47.8%

Xuno

All ratings14 ratings
Positive78.6%
Neutral7.1%
Negative14.3%
Written reviews7 reviews
Positive57.1%
Neutral0.0%
Negative42.9%

In-app purchases

None

IME Pay

No in-app purchases

None

Xuno

No in-app purchases

Questions

Is IME Pay free?
IME Pay is free to download, with no in-app purchases.
Is Xuno free?
Xuno is free to download, with no in-app purchases.
Which has better reviews, IME Pay or Xuno?
Xuno is rated higher. IME Pay averages 3.8 out of 5 from 112 ratings, while Xuno averages 4.2 from 14 ratings.
Do IME Pay or Xuno have ads?
Neither IME Pay nor Xuno shows ads.
Which is updated more often, IME Pay or Xuno?
IME Pay ships an update every 3 weeks, and Xuno every 3 weeks. Most recently, IME Pay was updated on August 22, 2026 and Xuno on September 13, 2026.

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