# Gurkhas Smart vs CellPay

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.

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

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.

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.

## The numbers

| Metric | Gurkhas Smart | CellPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (2 ratings)](https://appshunter.io/ios/app/gurkhas-smart/id1269458364/reviews) | **[3.5 (11 ratings)](https://appshunter.io/ios/app/cellpay/id1441280711/reviews)** |
| Number of ratings | 2 | **11** |
| Positive reviews | 0.0% of reviews | **33.3% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 182 MB | 68 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 17+ | 4+ |
| Developer | [Gurkhas Finance Ltd.](https://appshunter.io/developer/1477742572) | [Cellcom Private limited](https://appshunter.io/developer/1441280590) |

## What reviewers say

### Gurkhas Smart

[App page](https://appshunter.io/ios/app/gurkhas-smart/id1269458364)

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:** Vision Pro support

**In-app purchases:** none


### CellPay

[App page](https://appshunter.io/ios/app/cellpay/id1441280711)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*