Comparison

NBP Digital vs ePay Punjab

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

Head to head
About

NBP Digital

Manage your banking needs with this secure and user-friendly smartphone app. Perform fund transfers, pay bills, manage accounts, and locate ATMs. Offers biometric login and OTP security for a convenient and safe banking experience.

Highlights
  • Fund transfers (NBP & IBFT)
  • Utility and government bill payments
  • Mobile top-up
  • Debit card management
  • Account statement access
  • ATM and QR merchant locator
  • Biometric login
Features
Read full description

About this App NBP digital is free, secure and user friendly smartphone app for all your banking needs. NBP account holder (Conventional & Islamic) can get registered for NBP Digital and enjoy all the following exciting features anywhere any time: FUND TRANSFER & PAYMENTS · Funds transfer to NBP account holder. · IBAN payment feature in Fund Transfer (New) · IBFT- Funds transfer to any other bank account holder. · Utility Bill Payment · Mobile Top-Up · Credit Card Bill payment · Government Payments · CNIC Transfer · Contribute to Flood Relief (New) · UPI QR Payments · Generate QR ACCOUNT SERVICES · Debit Card Management (New) · Add Multiple Account · Balance Inquiry (Tap to show balance on home screen) · Check Account Statement (30/60/90 days) · Email Account Statement OTHERS · Search location of the nearest ATM & QR Merchants · Beneficiary Management · Biometric Login (Touch/Face ID) · MPIN Management · Security feature (OTP for Login & Device Binding) · Referral Code (New) NBP DIGITAL REGISTRATION To get yourself registered for NBP Digital App you just need to have: a. CNIC# b. Account/IBAN# c. Registered Mobile# For further details visit NBP website by clicking the link below: NBP Website Link: https://www.nbp.com.pk/digital/index.aspx If you have any query, complaint or feedback regarding NBP Digital you can: • Call us: 021-111-627-627 • Email us at: mobileapp.support@nbp.com.pk Follow us: https://www.facebook.com/NBPTheNationsBank/

About

ePay Punjab

This app allows citizens of Punjab to digitally pay various government taxes and fees through internet banking, ATMs, or over-the-counter transactions. Generate a unique payment ID to complete your tax obligations easily and conveniently.

Highlights
  • Digital tax payments
  • Internet banking
  • ATM payments
  • OTC banking transactions
  • Generate unique PSID
  • Various tax types supported
Features
Read full description

What is e-Pay? e-Pay is the first ever government payment gateway designed to allow the citizens of Punjab to pay their taxes digitally through alternative delivery channels (ADC). The solution that is developed by The Punjab Information Technology Board and backed by the Finance Department of Punjab provides individuals to pay their dues using the following three payment channels. • Internet Banking • ATM • OTC (Over the Counter) banking transaction Payment Process and Channels To pay the tax dues, an individual will access e-Pay application or website to generate a 17-digit PSID number. The PSID number that is unique for each transaction could subsequently be used on the aforementioned three payment channels i.e. internet banking, ATM or OTC by the citizens to pay the tax dues. All three payment channels are made technically equipped to process the payments through the collective efforts of The Finance Department of Punjab, State Bank of Pakistan, 1-Link, all scheduled banks, and Punjab Information Technology Board (PITB). 

In its first phase (FY 18 -19) following tax receipts can be paid via e-Pay: Excise & Taxation • Token Tax for Vehicle • Motor Vehicle Registration • Vehicle Transfer • Property Tax • Professional Tax • Cotton fee Board of Revenue (BOR) • e Stamping • Mutation fee • Fard fee Industries • Business Registration fee 
 Tax Descriptions Token Tax for Vehicle: Annual tax paid by owners of motor vehicles. Motor Vehicle Registration: One-time fee paid by the buyer of new vehicle at the time of purchase. Vehicle Transfer: Fee paid at the time of transfer of vehicle to a new owner. Property Tax: Annual tax paid by property owners in urban areas. Professional Tax: Taxes paid by the working professional on his profession on an annual basis. Cotton Fee: Fee paid on raw cotton brought to ginning factory. e-Stamping: Payment of stamp duties on judicial, non-judicial, CVT, registration and comparison fee. Mutation Fee: Fee paid by the buyer at the time of transfer of property to a new owner. Fard Fee: Fee paid by the owner of property for the issuance of property ownership document. Business Registration Fee: Fee paid by the owner to register his business.

Screenshots

NBP Digital4 screens
ePay Punjab4 screens

Verdict

The call

The clearest difference is rating: ePay Punjab at 4.8 against NBP Digital's 4.4. ePay Punjab also leads on update cadence (every 3 weeks vs every 2 months) and ratings volume (1.4K vs 277). NBP Digital's advantage is review sentiment (72% vs 58%). On price, ads, in-app purchases and monetization model 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

ePay Punjab holds the better App Store score, 4.8 against 4.4. That said, the two scores are not equally well evidenced: ePay Punjab has 1.4K ratings behind it against 277, so its average is the more settled of the two. Written reviews complicate that: 72% of NBP Digital's written reviews are positive against 58% of ePay Punjab's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

NBP Digital ships an update every 2 months, ePay Punjab every 3 weeks. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.

Scorecard5 real differences · 5 level
NBP Digital versus ePay Punjab: the parameters behind the verdict, then further details
ParameterNBP DigitalePay Punjab
PriceFreeFree
Rating4.4 (277 ratings)4.8 (1.4K ratings) — better
Positive reviews72.0% of reviews — better58.5% of reviews
Number of ratings2771.4K — better
Update frequencyEvery 2 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.113.0 — better
Further details — not scored
Size105 MB27 MB
Age rating4+4+
DeveloperNational Bank of PakistanPITB

Customer experience

NBP Digital

All ratings277 ratings
Positive87.7%
Neutral2.9%
Negative9.4%
Written reviews225 reviews
Positive72.0%
Neutral3.1%
Negative24.9%

ePay Punjab

All ratings1,428 ratings
Positive94.4%
Neutral2.3%
Negative3.3%
Written reviews65 reviews
Positive58.5%
Neutral3.1%
Negative38.5%

User reviews

NBP Digital

From 277 App Store ratings

What we love

  • 👍 Good app
  • 🚀 Easy to use
  • 🔒 Excellent security
  • 👍 Smooth performance
  • 👍 Reliable service

Room to improve

  • 🐛 Login issues
  • 🐛 App crashes
  • 🐛 Connectivity problems
  • 🐛 Bugs after updates
  • 🐛 Compatibility issues

ePay Punjab

From 1.4K App Store ratings

What we love

  • 👍 Excellent
  • 👍 App works great
  • 👍 Brilliant service
  • 👍 Love this app
  • 👍 Good work

Room to improve

  • 🐛 Registration and Charges
  • 🐛 Not responds on email
  • 🐛 POOR DEV TEAM
  • 🚩 Scam
  • 🚩 Vehicle not found

Bugs and requests

NBP Digital

Reported bugs

5 issues
  • Login screen freezes
  • Unable to register new account
  • OTP input not working
  • App crashes on balance check
  • Incompatible with older iOS versions

Requested features

5 requests
  • Add biometric login option
  • Improve transaction history view
  • Enable utility bill payments
  • Increase font size for better readability
  • Add digital debit card feature

ePay Punjab

Reported bugs

2 issues
  • Invalid Registration Number - Issue Resolved!
  • Vehicle token taxes are due for the year 2022 and epay punjab stopped working

Requested features

1 request
  • Please add Face ID option for login

In-app purchases

None

NBP Digital

No in-app purchases

None

ePay Punjab

No in-app purchases

Questions

Is NBP Digital free?
NBP Digital is free to download, with no in-app purchases.
Is ePay Punjab free?
ePay Punjab is free to download, with no in-app purchases.
Which has better reviews, NBP Digital or ePay Punjab?
ePay Punjab is rated higher. NBP Digital averages 4.4 out of 5 from 277 ratings, while ePay Punjab averages 4.8 from 1.4K ratings.
Do NBP Digital or ePay Punjab have ads?
Neither NBP Digital nor ePay Punjab shows ads.
Which is updated more often, NBP Digital or ePay Punjab?
NBP Digital ships an update every 2 months, and ePay Punjab every 3 weeks. Most recently, NBP Digital was updated on November 2, 2026 and ePay Punjab on November 3, 2026.

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