Comparison

VYCCU Smart Banking vs eNMB

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • Utility bill payment
  • Mobile recharge and top-up
  • Mobile banking
  • Savings and credit services
  • Online payment facilitation
Features
Read full description

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.

About

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.

Highlights
  • 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
Features
Read full description

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

VYCCU Smart Banking4 screens
eNMB4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

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.

Scorecard5 real differences · 5 level
VYCCU Smart Banking versus eNMB: the parameters behind the verdict, then further details
ParameterVYCCU Smart BankingeNMB
PriceFreeFree
Rating4.0 (2 ratings)4.4 (1.9K ratings) — better
Positive reviews0.0% of reviews32.3% of reviews — better
Number of ratings21.9K — better
Update frequencyFortnightly — betterEvery 5 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.613.0 — better
Further details — not scored
Size63 MB106 MB
Age rating4+4+
DeveloperVYCCU Savings and Credit Cooperative LimitedNMB Bank Ltd.

Customer experience

VYCCU Smart Banking

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

eNMB

All ratings1,890 ratings
Positive85.2%
Neutral4.9%
Negative9.8%
Written reviews99 reviews
Positive32.3%
Neutral8.1%
Negative59.6%

In-app purchases

None

VYCCU Smart Banking

No in-app purchases

None

eNMB

No in-app purchases

Questions

Is VYCCU Smart Banking free?
VYCCU Smart Banking is free to download, with no in-app purchases.
Is eNMB free?
eNMB is free to download, with no in-app purchases.
Which has better reviews, VYCCU Smart Banking or eNMB?
eNMB is rated higher. VYCCU Smart Banking averages 4.0 out of 5 from 2 ratings, while eNMB averages 4.4 from 1.9K ratings.
Do VYCCU Smart Banking or eNMB have ads?
Neither VYCCU Smart Banking nor eNMB shows ads.
Which is updated more often, VYCCU Smart Banking or eNMB?
VYCCU Smart Banking ships an update fortnightly, and eNMB every 5 weeks. Most recently, VYCCU Smart Banking was updated on September 6, 2026 and eNMB on September 26, 2026.

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