Gurkhas Smart vs Namaste Pay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Banking on the go
- Bill payments
- Fund transfers
- QR code payments
- Account information access
- Secure 128-bit SSL encryption
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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.
Namaste Pay
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.
- 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
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Namaste Pay is a new mobile wallet in Nepal brought by Nepal Digital Payments Company (NDPC). NDPC is a joint endeavor between Nepal Telecom and Rastriya Banijya Bank, the leading public enterprises of Nepal in telecom and banking sector respectively. The Namaste Pay wallet service shall work over various channels including smart phone applications, USSD and web portal. Initially, the wallet shall provide cash-in, cash-out, peer-to-peer transfers and a few utilities including telecom recharge, electricity bill payment and water bill payment. More services including the following shall be added in forthcoming releases: Bank Account Integration: Option of over 9+ banks and growing. For loading money to wallet or sending money from the wallet to bank account. Cash-In: Load your wallet directly through mobile banking, debit card/credit card or through our authorized agent. Cash-Out: Quick transfer the wallet money to your bank account or convert your wallet balance to cash in your pocket through nearby agent. Wallet to wallet transfer: Now you can send money fast and easy to other wallets. It's never been easier to send/receive money to friends and family. Utilities Payment: Telecom service top-up or internet bill payment in just few clicks. Pay bills for other utility services such as Water, Electricity, DTH etc. right from your mobile so why stand in queue. More services shall be added in the coming days. Merchant Payments: Pay various online and offline merchants. Book movie tickets, flight tickets, bus tickets. Pay for medical services. Eat out at restaurants, buy groceries, do shopping or even pay for cup of tea. Namaste Pay shall be accepted in thousands of shops and outlets across Nepal. Government Payment: Paying taxes and fees to government or receiving allowances from government, all made hassle free and quick like never before. Educational Institute: Pay school, college, university and professional institutions' fees instantly without any hurdle.
Screenshots
Verdict
The clearest difference is rating: Gurkhas Smart at 3.0 against Namaste Pay's 2.3. Gurkhas Smart also leads on iOS requirement (13.0 vs 15.1). Namaste Pay's advantage is update cadence (every 4 days vs every 3 months) and review sentiment (13% vs 0%). On price, ratings volume, ads and in-app purchases 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Gurkhas Smart holds the better App Store score, 3.0 against 2.3. Both are backed by a comparable volume of ratings — 2 and 3 respectively. Written reviews complicate that: 0% of Gurkhas Smart's written reviews are positive against 13% of Namaste Pay's, so the app with the better star average is not the one people write more warmly about.
Gurkhas Smart ships an update every 3 months, Namaste Pay every 4 days. The most recent releases landed on November 3, 2026 and November 11, 2026 respectively.
| Parameter | Gurkhas Smart | Namaste Pay |
|---|---|---|
| Price | Free | Free |
| Rating | 3.0 (2 ratings) — better | 2.3 (3 ratings) |
| Positive reviews | 0.0% of reviews | 12.5% of reviews — better |
| Number of ratings | 2 | 3 — better |
| Update frequency | Every 3 months | Every 4 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 13.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 182 MB | 62 MB |
| Age rating | 17+ | 4+ |
| Developer | Gurkhas Finance Ltd. | Nepal Digital Payments Company |
Customer experience
Gurkhas Smart
Namaste Pay
In-app purchases
Gurkhas Smart
No in-app purchases
Namaste Pay
No in-app purchases
Questions
Is Gurkhas Smart free?
Is Namaste Pay free?
Which has better reviews, Gurkhas Smart or Namaste Pay?
Do Gurkhas Smart or Namaste Pay have ads?
Which is updated more often, Gurkhas Smart or Namaste Pay?
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