# ADBL Smart Plus vs Namaste Pay

The clearest difference is rating: ADBL Smart Plus at 3.4 against Namaste Pay's 2.3. ADBL Smart Plus also leads on review sentiment (40% vs 13%) and ratings volume (22 vs 3). Namaste Pay's advantage is update cadence (every 4 days vs monthly). On price, ads, in-app purchases and monetization model there is nothing between them.

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

ADBL Smart Plus holds the better App Store score, 3.4 against 2.3. That said, the two scores are not equally well evidenced: ADBL Smart Plus has 22 ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 40% of ADBL Smart Plus's written reviews are positive against 13% of Namaste Pay's.

ADBL Smart Plus ships an update monthly, Namaste Pay every 4 days. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | ADBL Smart Plus | Namaste Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.4 (22 ratings)](https://appshunter.io/ios/app/adbl-smart-plus/id1250774732/reviews)** | [2.3 (3 ratings)](https://appshunter.io/ios/app/namaste-pay/id1592488606/reviews) |
| Number of ratings | **22** | 3 |
| Positive reviews | **40.0% of reviews** | 12.5% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 4 days** |
| Monetization | Free | Free |
| Size | 173 MB | 62 MB |
| Requires iOS | **12.4** | 15.1 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Agricultural Development Bank Ltd.](https://appshunter.io/developer/1434512591) | [Nepal Digital Payments Company](https://appshunter.io/developer/1592488608) |

## What reviewers say

### ADBL Smart Plus

[App page](https://appshunter.io/ios/app/adbl-smart-plus/id1250774732)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### Namaste Pay

[App page](https://appshunter.io/ios/app/namaste-pay/id1592488606)

A mobile wallet service for Nepal, enabling cash-in, cash-out, peer-to-peer transfers, and utility bill payments. It offers integration with multiple banks and supports payments to merchants and government services.

**Highlights:** Cash-in and cash-out services, Peer-to-peer money transfers, Utility bill payments (telecom, electricity, water), Bank account integration, Merchant payments, Government and educational payments

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is ADBL Smart Plus free?

ADBL Smart Plus is free to download, with no in-app purchases.

### Is Namaste Pay free?

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

### Which has better reviews, ADBL Smart Plus or Namaste Pay?

ADBL Smart Plus is rated higher. ADBL Smart Plus averages 3.4 out of 5 from 22 ratings, while Namaste Pay averages 2.3 from 3 ratings.

### Do ADBL Smart Plus or Namaste Pay have ads?

Neither ADBL Smart Plus nor Namaste Pay shows ads.

### Which is updated more often, ADBL Smart Plus or Namaste Pay?

ADBL Smart Plus ships an update monthly, and Namaste Pay every 4 days. Most recently, ADBL Smart Plus was updated on October 24, 2026 and Namaste Pay on October 25, 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.*