Comparison

NBP Digital vs MCB Live

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

MCB Live

This digital banking app offers a secure and convenient way to manage your finances on the go. It features a new user interface for easy navigation and allows for a wide range of financial and non-financial transactions, including bill payments, fund transfers, and card management.

Highlights
  • Bill Payment to 1,000+ Billers
  • Swift Fund Transfers
  • Secure Transactions with OTP
  • Multiple Accounts Management
  • Card Management & Activation
  • ATM Locator
Features
Read full description

MCB Live is the new flagship digital banking solution of MCB Bank that has been designed from the ground up to offer new and improved services to our customers, with a view to securely and conveniently conduct financial and non-financial transactions. MCB Live has a completely new user interface and an intuitive layout that will enable you to conduct digital banking transactions conveniently on the go or from wherever you may be. MCB Live is Fresh, its Fast, its Futuristic! - MCB Live comes with a new set of features, just a few of which are mentioned below: - Bill Payment to 1,000+ Billers - Swiftly Transfer Funds to any Bank via Quick Transfer - Secure financial transactions through OTP - Multiple Accounts Management - Cheque Book Request, Status inquiry and Stop Cheque Request - Account Statement with details of up to 10 transactions - e-Statement Subscription & Un-subscription - Efficiently manage your MCB Debit and Credit Cards - Request for new/replacement Cards online - Activate your Cards for eCommerce, online & International use online - Lodge a detailed Complaint quickly from within the app - Conveniently Donate to leading NGOs and social causes - Download Withholding Tax Certificate - Locate your nearest MCB ATM through the in-app ATM Locator - & much, much more! In order to take advantage of the new MCB Live experience, please manually uninstall your existing app and then download the new app from this App Store. For any queries or concerns regarding MCB Live, please call 111-000-622 or send us an email at info@mcb.com.pk from your registered mobile number. Please note that MCB Bank will continue to provide technical support for MCB Mobile till the foreseen future. Thank you for your patronage and support.

Screenshots

NBP Digital4 screens
MCB Live4 screens

Verdict

The call

NBP Digital and MCB Live both sit at 4.4 stars, but that hides the real split: 72% of NBP Digital's written reviews are positive against 25% of MCB Live's. MCB Live's advantage is ratings volume (1.6K vs 277). On price, rating, update cadence and ads 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

On the App Store both sit at effectively the same score — 4.4 for NBP Digital against 4.3 for MCB Live. That said, the two scores are not equally well evidenced: MCB Live has 1.6K ratings behind it against 277, so its average is the more settled of the two. Written reviews are what separate them: 72% of NBP Digital's written reviews are positive against 25% of MCB Live's.

UpkeepUpdate frequency

NBP Digital ships an update every 2 months, MCB Live every 6 weeks. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.

Scorecard2 real differences · 8 level
NBP Digital versus MCB Live: the parameters behind the verdict, then further details
ParameterNBP DigitalMCB Live
PriceFreeFree
Rating4.4 (277 ratings) — better4.3 (1.6K ratings)
Positive reviews72.0% of reviews — better25.2% of reviews
Number of ratings2771.6K — better
Update frequencyEvery 2 monthsEvery 6 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.114.0 — better
Further details — not scored
Size105 MB566 MB
Age rating4+4+
DeveloperNational Bank of PakistanMCB Bank Ltd.

Customer experience

NBP Digital

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

MCB Live

All ratings1,490 ratings
Positive83.0%
Neutral2.5%
Negative14.5%
Written reviews401 reviews
Positive25.2%
Neutral3.0%
Negative71.8%

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

MCB Live

From 1.6K App Store ratings

What we love

  • 🚀 Smooth and user-friendly
  • 🚀 Excellent app
  • 🚀 Improved app
  • 🚀 Good app, better than old app

Room to improve

  • 🐛 Crashes, lags, and unresponsive
  • 🐛 Glitchy, buggy, and unstable
  • 🐛 Slow, freezes, and takes forever to load
  • 🐛 Unreliable and unpredictable
  • 🐛 Frequent login and transfer issues

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

MCB Live

Reported bugs

5 issues
  • App crashes or freezes frequently
  • Login and registration issues
  • Unable to transfer funds or make payments
  • Incorrect account information and beneficiary details
  • Compatibility issues with newer device updates

Requested features

5 requests
  • Allow copy-paste functionality
  • Improve biometric login and verification
  • Enhance transaction history and reporting
  • Streamline bill payment and fund transfer process
  • Provide more customization options

In-app purchases

None

NBP Digital

No in-app purchases

None

MCB Live

No in-app purchases

Questions

Is NBP Digital free?
NBP Digital is free to download, with no in-app purchases.
Is MCB Live free?
MCB Live is free to download, with no in-app purchases.
Which has better reviews, NBP Digital or MCB Live?
NBP Digital is rated higher. NBP Digital averages 4.4 out of 5 from 277 ratings, while MCB Live averages 4.3 from 1.6K ratings.
Do NBP Digital or MCB Live have ads?
Neither NBP Digital nor MCB Live shows ads.
Which is updated more often, NBP Digital or MCB Live?
NBP Digital ships an update every 2 months, and MCB Live every 6 weeks. Most recently, NBP Digital was updated on October 24, 2026 and MCB Live on October 25, 2026.

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