Comparison

ADBL Smart Plus vs CellPay

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

Head to head
About

ADBL Smart Plus

Manage your bank account on the go with this secure mobile banking app. Perform bill payments, fund transfers, and instant online payments. Access account information easily and enjoy user-friendly banking services.

Highlights
  • Banking on the go
  • Bill payments
  • Fund transfers
  • QR code payments
  • Instant online payments
  • Account information access
  • Secure 128-bit SSL encryption
Features
Read full description

ADBL Smart is Agricultural Development Bank's Official Mobile Banking App. Enjoy easy banking from your hand held devices, from anywhere anytime. Manage and use your Bank Account on the move and around the clock with this secure Mobile Banking App from Agricultural Development Bank. This App will be regularly updated with additional new features. Key Features: 1. Banking On the Go 2. Bill Payments Made Easier 3. Top Up Made Easier 4. Fund Transfers Made Easier 5. QR Code: Scan and Pay 6. Instant Online and Retail Payment with Fonepay Network 7. Accessing your Account Informations Made Easier 8. User Friendly, Safe and Secure 9. And Many More Exciting Features ADBL Smart helps protect your information by using 128-bit SSL encryption when you are logged on. To be able to use this App, you first need to have a valid account maintained at Agricultural Development Bank, and you need to subscribe to the Agricultural Development Bank's Mobile Banking Service. Banking has never been this simple and easier before. Enjoy Banking Without visiting your branch. ADBL Smart is a Member of Fonepay Network. Smart Banking for Smart People.

About

CellPay

This service allows users to make digital payments and transfer funds directly from their bank accounts. It offers a secure way to pay bills, book tickets, and manage various financial transactions through web and mobile channels.

Highlights
  • Digital payments
  • Fund transfers
  • Utility bill payments
  • Merchant payments
  • Flight booking
  • Insurance payments
  • Government payments
Features
Read full description

CellPay is a payment service powered by Cellcom Private Limited, licensed by Nepal Rastra Bank. CellPay provides digital payments and fund transfer services that use web and mobile channels to help you make payments directly from your bank account. CellPay uses international-level security to ensure you are always protected. The best way to understand CellPay is as a digital debit card. The only difference is that unlike a debit card CellPay cannot be lost or stolen from you, and you can link multiple bank accounts to your CellPay account. Currently, the CellPay service supports utility payments, merchant payments and fund transfer services. Features of CellPay · Top Up: Ncell, NT, Smartcell (upto 4% cashback) · Data Pack: Ncell, NT · Fund Transfer: Transfer funds across all financial institutions of Nepal at bare minimum rate · ISP Payment: Supports bill payment across all top ISPs of Nepal. · DTH Payment: Supports bill payment across different cable operators in Nepal. · Electricity Bill: Payment can be made to NEA directly from our App. · Khanepani Bill : Payment can be made of different Khanepani and KUKL counters · Merchant Payment : Merchant payment can be done to all Fonepay and Nepal Pay merchants. · Flight Booking: Book Domestic airline tickets from our app and get highest cashback in the industry. · Insurance payment: Make hassle free payment to 15+ insurance companies in Nepal. · Demat: Renew and subscribe to different Demat accounts. · Government Payment: Pay for your traffic fine or can make any other government payment in Nepal. · Movie Tickets: Buy movie tickets for your favourite show across most of the halls in Nepal. · Bank Link: You can link your bank account across our partner banks and make hassle free transaction even faster. · Load Funds: You can now load funds into your CellPay wallet from different methods and from almost all financial institutions of Nepal.

Screenshots

ADBL Smart Plus3 screens
CellPay4 screens

Verdict

The call

ADBL Smart Plus and CellPay are too close to call on the numbers: across 10 compared parameters — price, rating, review sentiment and ratings volume 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

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

On the App Store both sit at effectively the same score — 3.4 for ADBL Smart Plus against 3.5 for CellPay. Both are backed by a comparable volume of ratings — 22 and 11 respectively. Written reviews are what separate them: 40% of ADBL Smart Plus's written reviews are positive against 33% of CellPay's.

UpkeepUpdate frequency

ADBL Smart Plus ships an update monthly, CellPay every 3 weeks. The most recent releases landed on August 28, 2026 and August 25, 2026 respectively.

ScorecardNo meaningful differences
ADBL Smart Plus versus CellPay: the parameters behind the verdict, then further details
ParameterADBL Smart PlusCellPay
PriceFreeFree
Rating3.4 (22 ratings)3.5 (11 ratings) — better
Positive reviews40.0% of reviews — better33.3% of reviews
Number of ratings22 — better11
Update frequencyMonthlyEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS12.4 — better13.0
Further details — not scored
Size173 MB68 MB
Age rating4+4+
DeveloperAgricultural Development Bank Ltd.Cellcom Private limited

Customer experience

ADBL Smart Plus

All ratings22 ratings
Positive59.1%
Neutral4.5%
Negative36.4%
Written reviews5 reviews
Positive40.0%
Neutral0.0%
Negative60.0%

CellPay

All ratings11 ratings
Positive54.5%
Neutral18.2%
Negative27.3%
Written reviews6 reviews
Positive33.3%
Neutral16.7%
Negative50.0%

In-app purchases

None

ADBL Smart Plus

No in-app purchases

None

CellPay

No in-app purchases

Questions

Is ADBL Smart Plus free?
ADBL Smart Plus is free to download, with no in-app purchases.
Is CellPay free?
CellPay is free to download, with no in-app purchases.
Which has better reviews, ADBL Smart Plus or CellPay?
CellPay is rated higher. ADBL Smart Plus averages 3.4 out of 5 from 22 ratings, while CellPay averages 3.5 from 11 ratings.
Do ADBL Smart Plus or CellPay have ads?
Neither ADBL Smart Plus nor CellPay shows ads.
Which is updated more often, ADBL Smart Plus or CellPay?
ADBL Smart Plus ships an update monthly, and CellPay every 3 weeks. Most recently, ADBL Smart Plus was updated on August 28, 2026 and CellPay on August 25, 2026.

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