Konnect by HBL vs digiBOP
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Konnect by HBL
Manage your daily banking and lifestyle needs with this digital wallet. Send money, pay bills, recharge your mobile, and access financial documents. Offers secure transactions and a user-friendly interface for all your financial activities.
- Money transfers to any bank account
- Utility bill payments
- Mobile recharge and postpaid bill payment
- Scan to pay for purchases
- Download tax certificates
- Access account statements
- Card management
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Open and manage your Konnect Account and Wallet for your daily banking & lifestyle needs. Key Financial Features: • Transfers – Send money to any bank account. Save your friends and family as receivers and enjoy seamless money transfers. • Payments – Pay utility bills, education fees, govt. taxes & challan and more in seconds. Just select your bill company and pay with a tap. • Mobile Recharge – Top up your prepaid balance, pay your postpaid bill or recharge your mobile anytime, anywhere. • Scan to Pay – Go cardless and cashless on your shopping adventures with Scan to Pay feature. • Lifestyle – Shopping, Travel, Entertainment, and more! Service Requests: • Tax Certificates – Instantly download your annual tax documents • Account Statement – Access your account statements within few taps • Card Management – Activate, replace & manage your HBL Debit and Credit Cards • Account Linking – Link, view and use your HBL branch and AMC accounts How to Login? • Existing User: Use your Konnect Login ID and Password or login through biometric to unlock your digital wallet. • New user: Sign up directly or open a digital account, and explore the full suite of HBL Konnect features. Why Konnect App? • Seamless onboarding and user-friendly design • Secure transactions with biometric and T-PIN protection • Wide range of services including utility payments, mobile recharge, money transfers, and more • Available 24/7 — bank anytime, anywhere Download now and experience the smarter way to bank with HBL Konnect. Your wallet just got an upgrade — and it’s totally worth it.
digiBOP
Manage your everyday banking needs conveniently and securely from anywhere. This app allows for easy fund transfers, bill payments, mobile recharges, and account management. You can also activate and manage your debit cards, find nearby ATMs, and access exclusive discounts.
- Funds Transfer (own accounts, BOP, other banks, wallets)
- Bill Payments (utilities, credit cards, online shopping, government)
- Mobile Recharge/Top-up
- Account Information & Transaction History
- Debit Card Management (activate, lock/unlock)
- Locate ATMs and Branches
- Secure Touch ID Login
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A unique digital banking experience with digiBOP Mobile Banking App. Experience convenient and seamless digital banking with the latest digiBOP Mobile App. Offering unique features and improved interface, BOP customers can now attend their everyday banking needs anywhere, anytime with the redefined mobile banking app digiBOP. Funds Transfer: • Transfer within own Accounts • Transfer Funds to BOP Accounts, • Transfer Funds to other bank accounts via RAAST/1-Link • Transfer Funds to wallets/microfinance bank accounts/wallets Bill Payments: • Utility bill payments • Credit Card & Loan Accounts payments • Online Shopping Companies bill payment • Pay Government challans and fees (FBR payments) Mobile Recharge/ Top up • Recharge/ top up your prepaid/ postpaid mobile (Jazz, Telenor, Zong, Ufone) • Purchase prepaid super-card/bundles with BOP mobile banking Account Information • View your account(s) balance(s) and other account details (Branch, IBAN) • Manage multiple accounts with ease • View your transaction history and account statement Card Management: • Activate your debit card • Lock/unlock debit card • Manage permissions on your debit/credit cards Discount & Offers: • Search & Navigate to the nearby deals and discounts offered on BOP cards (Debit/Credit) with BOP mobile banking Locate Us: • Find the nearby BOP ATMs and Branches Basic Banking features: • Login through secure touch ID • Beneficiary Management • Payee Management • Contact Us for complaint and queries • Update your mobile number/password Feedback: • Leave a message and one of our customer care representatives will get back to you Let us know your feedback regarding the BOP mobile banking app Follow us • facebook.com/thebankofpunjab • twitter.com/thebankofpunjab • Visit us: bop.com.pk
Screenshots
Verdict
The clearest difference is rating: Konnect by HBL at 3.2 against digiBOP's 1.1. Konnect by HBL also leads on ratings volume (47 vs 12). digiBOP's advantage is iOS requirement (12.0 vs 15.0). On price, review sentiment, update cadence and ads 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.
Konnect by HBL holds the better App Store score, 3.2 against 1.1. Both are backed by a comparable volume of ratings — 47 and 12 respectively. Written reviews point the same way: 5% of Konnect by HBL's written reviews are positive against 2% of digiBOP's.
Both ship on a similar rhythm, roughly monthly. The most recent releases landed on July 5, 2026 and September 21, 2026 respectively.
| Parameter | Konnect by HBL | digiBOP |
|---|---|---|
| Price | Free | Free |
| Rating | 3.2 (47 ratings) — better | 1.1 (12 ratings) |
| Positive reviews | 5.0% of reviews — better | 1.5% of reviews |
| Number of ratings | 47 — better | 12 |
| Update frequency | Monthly | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.0 | 12.0 — better |
| Further details — not scored | ||
| Size | 343 MB | 187 MB |
| Age rating | 4+ | 4+ |
| Developer | HABIB BANK LIMITED | The Bank Of Punjab |
Customer experience
Konnect by HBL
digiBOP
Bugs and requests
Konnect by HBL
Not enough reviews yet to summarise bugs or requests.
digiBOP
Reported bugs
12 issues- OTP disappears automatically
- OTP cannot be typed or pasted
- OTP not received
- App crashes on startup
- Login screen freezes or shows errors
Show 7 moreShow fewer
- Profile locked error
- Cannot add new payees/beneficiaries
- App hangs and gets stuck
- Previous version worked better
- New version not picking card data
- Auto-fetch OTP error
- App crashes on iPhone iOS version 12.5.5
Requested features
8 requests- Update app
- Fix OTP issues
- Improve login process
- Improve customer service
- Fix bugs and errors
Show 3 moreShow fewer
- Improve UI/UX
- Hire better developers
- Make app work properly
In-app purchases
Konnect by HBL
No in-app purchases
digiBOP
No in-app purchases
