VYCCU Smart Banking vs eNMB
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
VYCCU Smart Banking
This mobile application facilitates online payments for utilities like bills and mobile recharges. It also offers mobile banking features for managing savings and credit cooperative services.
- Utility bill payment
- Mobile recharge and top-up
- Mobile banking
- Savings and credit services
- Online payment facilitation
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Vyccu Smart Banking App is an online payment mobile application developed for utility payment such as bill payment, recharge or top up of service providers like Nepal Telecom, Ncell and Dish Home along with mobile banking features. Why use Vyccu : VYCCU Savings and Credit Cooperative Limited is a primary-level single-purpose cooperative organization (working in the field of saving and credit). While adhering to the international credit union principles, it is engaged in collecting savings from its members, providing a definite interest on the savings and providing loans to its members on easy interest rates, thereby working towards social security and transformation.
eNMB
Manage your NMB Bank accounts and perform various banking transactions conveniently from your mobile device. Access self-service options, make transfers, pay bills, and update your account details on the go.
- Self-service account activation
- PIN reset and change
- View account balances and details
- Fund transfers (inter and intra-bank)
- Bill payments (school, water, electricity)
- Create Fixed Deposits
- Download and email statements
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NMB Bank’s new Mobile Banking App is called eNMB, it provides banking on the go for all existing retail banking customers. If you are not an existing NMB Bank customer, you can open a savings account by visiting your nearest branch and then experience banking through our new application. If you are an existing NMB bank customer, you can download the application follow the simple one-time activation process, and experience the new digital experience. The new application is the first step towards the digital journey started by NMB Bank, the users can experience • Self services: - Self application activation for NMB Bank retail banking customers. - PIN reset. - Navigate to branches. - Navigate to ATM. - Contact support. - Change PIN. - FAQ • Banking on the go services: - View Accounts. - View FD. - View Loans. - Inter Bank Fund Transfer. - Intra Bank Fund Transfer. - Schedule Transfer. - Add Payee - Direct Transfer to Payee. - Create FD. - Email TDS. - Download & Email Statement • Services: - Stop check. - Occupation change. - Update marital status. - Update VAT/PAN. - Update the purpose of A/C. - Update the source of funds for A/C. - Update change in anticipated transactions to A/C. - Update number per year for the A/C. - Update temporary address • Pay Your Bills: - Pay school fees. - Pay water bill. - Pay electricity bill. - Topup Get started: To get started with eNMB, you just need your Customer Information File Number (CIF), In case you do not know your CIF number the application provides the option to fetch this number, you can follow the instructions. The app will take you through a one-time activation process when you download the mobile application and start the activation. eNMB App requires the following permissions: - Location: This is required for locating and navigating to the branches and ATM. - Photos / Media / Files / Camera: This is required to let you access the gallery / click an image to set a profile picture. Please note that your data is safe with NMB Bank. We do not share any information with the third party without your initiation. We never call you asking for your PIN, CIF, or Account numbers, please avoid giving such information to callers on the phone, email, or any other media for the security of your account.
Screenshots
Verdict
The clearest difference is review sentiment: eNMB at 32% against VYCCU Smart Banking's 0%. eNMB also leads on rating (4.4 vs 4.0) and ratings volume (1.9K vs 2). VYCCU Smart Banking's advantage is update cadence (fortnightly vs every 5 weeks). On price, ads, in-app purchases and monetization model 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.
eNMB holds the better App Store score, 4.4 against 4.0. That said, the two scores are not equally well evidenced: eNMB has 1.9K ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 0% of VYCCU Smart Banking's written reviews are positive against 32% of eNMB's.
VYCCU Smart Banking ships an update fortnightly, eNMB every 5 weeks. The most recent releases landed on September 6, 2026 and September 26, 2026 respectively.
| Parameter | VYCCU Smart Banking | eNMB |
|---|---|---|
| Price | Free | Free |
| Rating | 4.0 (2 ratings) | 4.4 (1.9K ratings) — better |
| Positive reviews | 0.0% of reviews | 32.3% of reviews — better |
| Number of ratings | 2 | 1.9K — better |
| Update frequency | Fortnightly — better | Every 5 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.6 | 13.0 — better |
| Further details — not scored | ||
| Size | 63 MB | 106 MB |
| Age rating | 4+ | 4+ |
| Developer | VYCCU Savings and Credit Cooperative Limited | NMB Bank Ltd. |
Customer experience
VYCCU Smart Banking
eNMB
In-app purchases
VYCCU Smart Banking
No in-app purchases
eNMB
No in-app purchases









