# Gurkhas Smart vs Namaste Pay

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.

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.

## The numbers

| Metric | Gurkhas Smart | Namaste Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.0 (2 ratings)](https://appshunter.io/ios/app/gurkhas-smart/id1269458364/reviews)** | [2.3 (3 ratings)](https://appshunter.io/ios/app/namaste-pay/id1592488606/reviews) |
| Number of ratings | 2 | **3** |
| Positive reviews | 0.0% of reviews | **12.5% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 4 days** |
| Monetization | Free | Free |
| Size | 182 MB | 62 MB |
| Requires iOS | **13.0** | 15.1 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 17+ | 4+ |
| Developer | [Gurkhas Finance Ltd.](https://appshunter.io/developer/1477742572) | [Nepal Digital Payments Company](https://appshunter.io/developer/1592488608) |

## 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


### Namaste Pay

[App page](https://appshunter.io/ios/app/namaste-pay/id1592488606)

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.

**Highlights:** 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

**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 Namaste Pay free?

Namaste Pay is free to download, with no in-app purchases.

### Which has better reviews, Gurkhas Smart or Namaste Pay?

Gurkhas Smart is rated higher. Gurkhas Smart averages 3.0 out of 5 from 2 ratings, while Namaste Pay averages 2.3 from 3 ratings.

### Do Gurkhas Smart or Namaste Pay have ads?

Neither Gurkhas Smart nor Namaste Pay shows ads.

### Which is updated more often, Gurkhas Smart or Namaste Pay?

Gurkhas Smart ships an update every 3 months, and Namaste Pay every 4 days. Most recently, Gurkhas Smart was updated on November 3, 2026 and Namaste Pay 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.*