# VYCCU Smart Banking vs eNMB

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.

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.

## The numbers

| Metric | VYCCU Smart Banking | eNMB |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.0 (2 ratings)](https://appshunter.io/ios/app/vyccu-smart-banking/id1437877446/reviews) | **[4.4 (1.9K ratings)](https://appshunter.io/ios/app/enmb/id1497419967/reviews)** |
| Number of ratings | 2 | **1.9K** |
| Positive reviews | 0.0% of reviews | **32.3% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 5 weeks |
| Monetization | Free | Free |
| Size | 63 MB | 106 MB |
| Requires iOS | 15.6 | **13.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [VYCCU Savings and Credit Cooperative Limited](https://appshunter.io/developer/1437877445) | [NMB Bank Ltd.](https://appshunter.io/developer/1344672450) |

## What reviewers say

### VYCCU Smart Banking

[App page](https://appshunter.io/ios/app/vyccu-smart-banking/id1437877446)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### eNMB

[App page](https://appshunter.io/ios/app/enmb/id1497419967)

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:** Vision Pro support

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*