STICPAY vs CellPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
STICPAY
This digital wallet facilitates fast and affordable international money transfers and payments. It supports 29 currencies, 19 languages, and over 190 countries, with instant client-to-client transfers at a 1% fee. The service also offers easy fiat-to-crypto exchange and robust security features.
- Global money transfers
- Fiat to crypto exchange
- 29 national currencies supported
- Advanced security features
- Multiple deposit/withdrawal methods
- In-app QR code scanning
Read full descriptionHide full description
Transfer and receive money faster and easier with STICPAY, the international digital wallet. With STICPAY, you can make payments online, transfer money to friends and family, and you can send and exchange cryptocurrencies. Sign up for your free e-wallet account now! Why choose STICPAY? Fast and cheap global transfers - 29 national currencies - 19 languages - over 190 countries - Instant client to client transfers with a 1% fee - Fast and cheap local bank wire transfers in many Asian countries We keep your money safe - Advanced anti-fraud and security features - Strict KYC and AML checks - 2 Factor Authentication Convenient and Easy - Easy Fiat to Crypto exchange and vice versa - In-app QR code scan - Cashback service Numerous payment methods to deposit and withdraw funds - Visa - MasterCard - UnionPay China - Local and international bank transfers Ready to transfer money with STICPAY? Create an account now!
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.
- Digital payments
- Fund transfers
- Utility bill payments
- Merchant payments
- Flight booking
- Insurance payments
- Government payments
Read full descriptionHide 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
Verdict
The clearest difference is ads: CellPay at none against STICPAY's shown. CellPay also leads on monetization model (free vs free with in-app purchases) and iOS requirement (13.0 vs 15.0). STICPAY's advantage is review sentiment (61% vs 33%) and rating (3.9 vs 3.5). On price, ratings volume, update cadence 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.
STICPAY holds the better App Store score, 3.9 against 3.5. Both are backed by a comparable volume of ratings — 29 and 11 respectively. Written reviews point the same way: 61% of STICPAY's written reviews are positive against 33% of CellPay's.
STICPAY ships an update fortnightly, CellPay every 3 weeks. The most recent releases landed on November 3, 2026 and November 2, 2026 respectively.
| Parameter | STICPAY | CellPay |
|---|---|---|
| Price | Free | Free |
| Rating | 3.9 (29 ratings) — better | 3.5 (11 ratings) |
| Positive reviews | 61.1% of reviews — better | 33.3% of reviews |
| Number of ratings | 29 — better | 11 |
| Update frequency | Fortnightly — better | Every 3 weeks |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 50 MB | 68 MB |
| Age rating | 4+ | 4+ |
| Developer | STIC FINANCIAL LTD. | Cellcom Private limited |
Customer experience
STICPAY
CellPay
In-app purchases
STICPAY
No in-app purchases
CellPay
No in-app purchases
