# LIC Digital vs PNB ONE

The clearest difference is rating: LIC Digital at 4.7 against PNB ONE's 3.6. LIC Digital also leads on ratings volume (124K vs 580) and review sentiment (26% vs 15%). PNB ONE's advantage is update cadence (every 2 weeks vs every 5 weeks). 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.

LIC Digital holds the better App Store score, 4.7 against 3.6. That said, the two scores are not equally well evidenced: LIC Digital has 124K ratings behind it against 580, so its average is the more settled of the two. Written reviews point the same way: 26% of LIC Digital's written reviews are positive against 15% of PNB ONE's.

LIC Digital ships an update every 5 weeks, PNB ONE every 2 weeks. Both last shipped on October 25, 2026.

## The numbers

| Metric | LIC Digital | PNB ONE |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (124K ratings)](https://appshunter.io/ios/app/lic-digital/id1324159013/reviews)** | [3.6 (580 ratings)](https://appshunter.io/ios/app/pnb-one/id1434797444/reviews) |
| Number of ratings | **124K** | 580 |
| Positive reviews | **26.5% of reviews** | 15.1% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 100 MB | 387 MB |
| Requires iOS | **15.6** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Life Insurance Corporation of India](https://appshunter.io/developer/1265071093) | [Punjab National Bank](https://appshunter.io/developer/898528851) |

## What reviewers say

### LIC Digital

[App page](https://appshunter.io/ios/app/lic-digital/id1324159013)

Access comprehensive information and services for life insurance policies. Manage your policies, make payments, and find essential resources like office and agent locators. Stay updated with alerts and track your claims and requests.

**Highlights:** View policy details, Online premium payment, Benefit illustration, Policy brochure download, Office and agent locator, Claim status enquiry, Premium calendar

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Convenient one-stop app
- 🔒 Precaution to lock account until payment validation
- 👍 Easy to manage policies and services
- 👍 Friendly user interface

**What reviewers complain about**

- 🐛 Frequent login issues
- 🐛 Unstable app performance
- 🐛 Incomplete/missing features
- 🐛 Compatibility issues across devices
- 🐛 Slow response times

**Reported bugs**

- Unable to login or login issues
- Blank screens and app crashes
- Keyboard issues for entering date of birth
- Payment processing failures
- Inconsistent app behavior

**Requested features**

- Add policy surrender and ECS payment options
- Provide policy status details like surrender value, loan details, etc.
- Implement push notifications for premium due alerts
- Improve UI and user experience
- Ensure seamless cross-device compatibility


### PNB ONE

[App page](https://appshunter.io/ios/app/pnb-one/id1434797444)

Manage all your banking needs from a single platform. Transfer funds, view statements, invest, and manage cards securely. Offers a user-friendly interface with features like fingerprint login and bill payments.

**Highlights:** Interactive dashboard, Account statement viewing, Fund transfers (NEFT/IMPS/UPI), Term deposit and mutual fund investments, Debit and credit card management, Bill payments and recharges, Cheque status inquiry and stop cheque

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is LIC Digital free?

LIC Digital is free to download, with no in-app purchases.

### Is PNB ONE free?

PNB ONE is free to download, with no in-app purchases.

### Which has better reviews, LIC Digital or PNB ONE?

LIC Digital is rated higher. LIC Digital averages 4.7 out of 5 from 124K ratings, while PNB ONE averages 3.6 from 580 ratings.

### Do LIC Digital or PNB ONE have ads?

Neither LIC Digital nor PNB ONE shows ads.

### Which is updated more often, LIC Digital or PNB ONE?

LIC Digital ships an update every 5 weeks, and PNB ONE every 2 weeks. Most recently, LIC Digital was updated on October 25, 2026 and PNB ONE on October 25, 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.*