BNB MPay vs B A Exchange
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
BNB MPay
Manage your bank accounts and perform transactions conveniently from your mobile device. This app allows for instant sign-up, fund transfers, bill payments, and debit card management. Access loan details, find nearby ATMs, and request services like cheque books.
- Instant account balance and transaction details
- Fund transfers to own, BNB, and other banks
- Debit card management (PIN, limits, blocking)
- Bill payments (mobile, electricity, credit card)
- QR code payments
- Offline service requests (cheque book, statements)
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BNB MPay is a mobile banking application of Bhutan National Bank Limited. It provides features that enables easy and convenient banking without the hassle of having to visit the bank. BNB Mpay brings you the best in mobile banking, giving you a secure and easy way to manage your money on the go with instant sign-up using your mobile number. Features: • Instant Sign-Up. • Set a 4-digit Login Password and transaction TPIN(Remember this Password and mPIN, do not share it with anyone). • View account balance, mini-statement and transaction details for all your savings and current accounts. • Immediate fund transfers to your own accounts in BNB, to customers in BNB and to customers in other banks in Bhutan. • Transfer funds using beneficiary's mobile number (for BNB account holders only) or account number. • Stay in control of your accounts using Transaction Notifications. • Instantly activate, lock, cancel and change your PIN. • Temporarily block and unblock your debit card. • Modify your debit card daily spending limits as per your needs (within Nu. 40,000/day). • Block/Unblock your debit card on different terminals (ATM/POS). • View your debit card activity history. • Manage your beneficiaries: Add beneficiary using mobile (for BNB account holders only) or account number, delete beneficiary and view beneficiary. • Scan & Pay instantly to merchant using Merchant Pay. • Scan & Pay instantly to your friends and family using individual QR code. • Prepaid mobile recharge for BT and TashiCell. • Pay your postpaid mobile and leased line bills for TashiCell. • Pay your BPC electricity bill instantly, • Pay your Credit Card bill instantly. • Pay your DrukCom TV bill. • Loan Details: View your loan details • Loan Payments: Pay yours and others loan EMI instantly. • Offline request: Cheque book, ATM debit card and Account statement. • Calculator: Term Deposit, Recurring Deposit, Loan • Contact information of the bank with instant call facility to BNB contact center. • Real time ATM and Branch locator: find your nearest BNB ATMs and branches. • Rate the application to give us feedback to improve your mobile banking experience. • Avail offline request such as debit card request and cheque book request. To allow us to give you a superior experience, we need your permission to access the following: • Location: To display the nearest ATMs/Branches. • Phone: To allow calling BNB Bank Contact center from the app. • SMS: To send an activation SMS from your device. • Camera: To scan the QR codes. • Phone status and Identity: To generate a phone ID. Charges: Registration and transactions in BNB Mpay are absolutely FREE of cost. However, in the future if any charges are applied for any up-coming features, you will be notified through SMS or it will be announced in the BNB website. Data charges from your mobile service provider may apply. To discover all the BNB MPay app features, you should have a BNB account. Don’t bank with us? You can open an account by visiting your nearest BNB branch or extension. For any feedback, queries or issues pertaining to BNB Mpay application please write to contact@bnb.bt or call us @ 6070
B A Exchange
Facilitates on-the-go booking of financial transactions using a smartphone. Simplifies the process of sending money.
- On-the-go transaction booking
- Smartphone-friendly interface
- Easy money sending
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B A Exchange is a wholly owned subsidiary of Bank Asia Ltd, a top private bank in Bangladesh. B A Exchange mobile app is great for booking transactions on the fly with smart phone. Sending money is lot more easier.
Screenshots
Verdict
The clearest difference is rating: BNB MPay at 3.2 against B A Exchange's 2.3. BNB MPay also leads on update cadence (every 5 weeks vs every 4 months) and iOS requirement (13.0 vs 15.0). B A Exchange's advantage is ratings volume (144 vs 45). On price, review sentiment, 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.
BNB MPay holds the better App Store score, 3.2 against 2.3. Both are backed by a comparable volume of ratings — 45 and 144 respectively. Written reviews point the same way: 13% of BNB MPay's written reviews are positive against 6% of B A Exchange's.
BNB MPay ships an update every 5 weeks, B A Exchange every 4 months. The most recent releases landed on October 21, 2026 and October 24, 2026 respectively.
| Parameter | BNB MPay | B A Exchange |
|---|---|---|
| Price | Free | Free |
| Rating | 3.2 (45 ratings) — better | 2.3 (144 ratings) |
| Positive reviews | 12.5% of reviews — better | 6.5% of reviews |
| Number of ratings | 45 | 144 — better |
| Update frequency | Every 5 weeks — better | Every 4 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 13.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 65 MB | 85 MB |
| Age rating | 4+ | 4+ |
| Developer | BHUTAN NATIONAL BANK LIMITED | BA EXCHANGE COMPANY UK LIMITED |
Customer experience
BNB MPay
B A Exchange
Bugs and requests
BNB MPay
Not enough reviews yet to summarise bugs or requests.
B A Exchange
Reported bugs
4 issues- App not opening on device
- Login issues
- Unable to get access
- Slow account verification
Requested features
2 requests- Allow login without payment
- Provide access to withdraw funds
In-app purchases
BNB MPay
No in-app purchases
B A Exchange
No in-app purchases









