# PNB ONE vs LIC Digital

The clearest difference is rating: LIC Digital at 4.8 against PNB ONE's 3.6. LIC Digital also leads on iOS requirement (15.6 vs 17.0). PNB ONE's advantage is update cadence (every 2 weeks vs every 3 months). On price, review sentiment, ratings volume and ads 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, 4.8 against 3.6. Both are backed by a comparable volume of ratings — 583 and 1.6K respectively. Written reviews complicate that: 15% of PNB ONE's written reviews are positive against 13% of LIC Digital's, so the app with the better star average is not the one people write more warmly about.

PNB ONE ships an update every 2 weeks, LIC Digital every 3 months. The most recent releases landed on November 3, 2026 and November 4, 2026 respectively.

## The numbers

| Metric | PNB ONE | LIC Digital |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.6 (583 ratings)](https://appshunter.io/ios/app/pnb-one/id1434797444/reviews) | **[4.8 (1.6K ratings)](https://appshunter.io/ios/app/lic-digital-nri/id6605939581/reviews)** |
| Number of ratings | 583 | **1.6K** |
| Positive reviews | **15.4% of reviews** | 13.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 3 months |
| Monetization | Free | Free |
| Size | 408 MB | 105 MB |
| Requires iOS | 17.0 | **15.6** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [PNB](https://appshunter.io/developer/898528851) | [Life Insurance Corporation of India](https://appshunter.io/developer/1265071093) |

## What reviewers say

### PNB ONE

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

Manage your banking needs on a single platform. Transfer funds, invest, view statements, and control debit/credit cards. Offers secure transactions, bill payments, and UPI services.

**Highlights:** Fund transfers (NEFT/IMPS/UPI), Investment options (Term Deposits, Mutual Funds), Debit and Credit Card management, Bill payments and Recharges, Account statement viewing and download, Secure login with fingerprint and 2-factor authentication

**Features:** Vision Pro support

**In-app purchases:** none


### LIC Digital

[App page](https://appshunter.io/ios/app/lic-digital-nri/id6605939581)

Access comprehensive information about life insurance products and portal services. Features include product details, plan brochures, premium calculation, benefit illustrations, and an office locator.

**Highlights:** Product information, Plan brochure downloads, Premium calculator, Benefit illustration, Apply for policy, Office locator

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

**In-app purchases:** none

**What reviewers like**

- ⭐ Easy access to policy information

**What reviewers complain about**

- 🐛 Frequent app crashes and bugs
- 🔍 Difficult to navigate and use
- 🌐 Doesn't work well outside India
- ⏱️ Slow and unresponsive app
- 🤖 Poor customer service

**Reported bugs**

- App redirects to App Store to install NRI version when already installed
- Date input field not working properly
- Inability to proceed with online claims and payments

**Requested features**

- Improve app stability and performance
- Make the app more user-friendly and intuitive
- Enhance functionality for international users
- Provide better customer support


## Frequently asked questions

### Is PNB ONE free?

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

### Is LIC Digital free?

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

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

LIC Digital is rated higher. PNB ONE averages 3.6 out of 5 from 583 ratings, while LIC Digital averages 4.8 from 1.6K ratings.

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

Neither PNB ONE nor LIC Digital shows ads.

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

PNB ONE ships an update every 2 weeks, and LIC Digital every 3 months. Most recently, PNB ONE was updated on November 3, 2026 and LIC Digital on November 4, 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.*