Comparison

Gurkhas Smart vs CellPay

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

Head to head
About

Gurkhas Smart

Manage your bank account on the go with this secure mobile banking app. Perform bill payments, top-ups, fund transfers, and QR code payments easily. Access account information and enjoy convenient banking anytime, anywhere.

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

Gurkhas Smart is Gurkhas Finance Ltd'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 Gurkhas Finance Ltd. This App will be regularly updated with additional new features. Key Features: - Banking On the Go - Bill Payments Made Easier - Top Up Made Easier - Fund Transfers Made Easier - QR Code: Scan and Pay - Instant Online and Retail Payment with Fonepay Network - Accessing your Account Informations Made Easier - User Friendly, Safe and Secure And Many More Exciting Features Gurkhas 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 Gurkhas Finance Ltd, and you need to subscribe to the Gurkhas Finance Ltd's Mobile Banking Service. Banking has never been this simple and easier before. Enjoy Banking Without visiting your branch. Gurkhas 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

Gurkhas Smart4 screens
CellPay4 screens

Verdict

The call

The clearest difference is rating: CellPay at 3.5 against Gurkhas Smart's 3.0. CellPay also leads on review sentiment (33% vs 0%) and update cadence (every 3 weeks vs every 3 months). 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

CellPay holds the better App Store score, 3.5 against 3.0. That said, the two scores are not equally well evidenced: CellPay has 11 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 0% of Gurkhas Smart's written reviews are positive against 33% of CellPay's.

UpkeepUpdate frequency

Gurkhas Smart ships an update every 3 months, CellPay every 3 weeks. The most recent releases landed on November 3, 2026 and November 11, 2026 respectively.

Scorecard4 real differences · 6 level
Gurkhas Smart versus CellPay: the parameters behind the verdict, then further details
ParameterGurkhas SmartCellPay
PriceFreeFree
Rating3.0 (2 ratings)3.5 (11 ratings) — better
Positive reviews0.0% of reviews33.3% of reviews — better
Number of ratings211 — better
Update frequencyEvery 3 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS13.013.0
Further details — not scored
Size182 MB68 MB
Age rating17+4+
DeveloperGurkhas Finance Ltd.Cellcom Private limited

Customer experience

Gurkhas Smart

All ratings2 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews2 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

CellPay

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

In-app purchases

None

Gurkhas Smart

No in-app purchases

None

CellPay

No in-app purchases

Questions

Is Gurkhas Smart free?
Gurkhas Smart 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, Gurkhas Smart or CellPay?
CellPay is rated higher. Gurkhas Smart averages 3.0 out of 5 from 2 ratings, while CellPay averages 3.5 from 11 ratings.
Do Gurkhas Smart or CellPay have ads?
Neither Gurkhas Smart nor CellPay shows ads.
Which is updated more often, Gurkhas Smart or CellPay?
Gurkhas Smart ships an update every 3 months, and CellPay every 3 weeks. Most recently, Gurkhas Smart was updated on November 3, 2026 and CellPay on November 11, 2026.

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