NCConnect vs Raqami Islamic Digital Bank
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
NCConnect
Access your capital market trading, settlement, and tax information. Complete account creation, update personal details, and perform biometric verifications for a streamlined investment experience.
- Trading and settlement information
- Account information access
- Capital Gain Tax (CGT) details
- New account creation and KYC
- UKN tagging and broker updates
- Personal information updates
- Secure authentication and biometric sign-in
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NCConnect is the official mobile application of the National Clearing Company of Pakistan Limited (NCCPL), designed exclusively for capital market investors. With NCConnect, investors can conveniently access their trading, settlement, account, and Capital Gain Tax (CGT) related information through their mobile devices using the same credentials assigned for the NCCPL User Information System (UIS). Key Features: • Trading & Settlement Information View your trading and settlement activities executed through your broker. • Account Information Access relevant information related to your trading account. • Capital Gain Tax (CGT) View your CGT-related information conveniently through the app. • Create a New Account New or existing eligible PSX, MUFAP and PMEX users with incomplete or pending KYC can complete their account creation journey through NCConnect. The process supports CNIC verification, IBAN verification, biometric verification where required, email and mobile verification, broker selection, KYC form submission and required document uploads. • UKN Tagging Eligible users can tag their account with a new broker through the app. • Update Information Update eligible personal and account information, including mobile number, IBAN, mailing address, and CNIC issuance and expiry details. • Upgrade Account Eligible users with a Shahulat Account can initiate an upgrade to a Normal Account directly through the app. • Biometric Verification Biometric verification is integrated within NCConnect to support eligible verification and KYC processes. • Secure Authentication Use secure authentication and biometric sign-in where supported by your device. NCConnect provides investors with convenient access to important capital market information and services while helping simplify account-related processes on the go. NCConnect is developed and provided by the National Clearing Company of Pakistan Limited (NCCPL).
Raqami Islamic Digital Bank
This digital banking app offers a secure and modern Islamic banking experience in Pakistan. It allows for fully digital account opening in under 5 minutes, Shariah-compliant savings and term deposits with competitive profit rates, and everyday banking features like free debit cards and money transfers.
- Fully digital account opening
- Shariah-compliant savings and term deposits
- Biometrically secured banking
- Free PayPak Debit Card
- Free money transfers via Raast
- 24/7 customer support
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Raqami Islamic Digital Bank is a licensed Islamic bank operating under the State Bank of Pakistan's Digital Retail Bank framework, offering secure, seamless, and Shariah-compliant banking designed around your everyday financial needs — jo tum chaho. Backed by Pakistan Kuwait Investment Company (Private) Limited and Enertech Holding Company, a subsidiary of the Kuwait Investment Authority, Raqami combines global institutional strength with local expertise to deliver a modern Islamic banking experience in Pakistan. Whether you're looking to open a bank account online, earn halal profit on your savings, transfer money instantly, pay bills, or manage your finances securely, Raqami makes Islamic banking simple, accessible, and convenient. OPEN AN ISLAMIC BANK ACCOUNT ONLINE • Open your Islamic bank account in under 5 minutes • 100% paperless onboarding • No paperwork or branch visits required • Start banking anytime, anywhere in Pakistan SECURE ISLAMIC BANKING YOU CAN TRUST • Licensed by the State Bank of Pakistan under the Digital Retail Bank framework • Biometric login and device-bound security • Bank-grade protection designed to safeguard your identity and funds • Shariah-compliant banking solutions built around your financial needs GROW YOUR SAVINGS WITH HALAL PROFIT • Competitive halal profit rates on savings • Monthly profit credited directly to your account • Open and manage Islamic Term Deposits with ease • Swift profit disbursement upon maturity • Pakistan's first Shariah-compliant 7-Day Digital Term Deposit without unnecessary delay in profit disbursement EVERYDAY BANKING MADE SIMPLE • Free PayPak Debit Card accepted nationwide • Free cash withdrawals from designated ATM networks* • Withdraw up to PKR 100,000 in a single transaction from Askari Bank ATMs • Free bill payments anytime, anywhere • Instant money transfers through Raast • Smart routing with automatic fallback to 1LINK when required • Eco-friendly debit card made using recyclable materials MORE REWARDS, MORE VALUE • Exclusive discounts and offers through PayPak and Golootlo partner merchants • Enjoy savings on dining, shopping, travel, and more across Pakistan HIGHER LIMITS, GREATER FLEXIBILITY • Open additional accounts without additional KYC requirements • Daily transaction limits up to PKR 10 million • Built for secure, high-value banking 24/7 CUSTOMER SUPPORT • Dedicated support whenever you need assistance • Call us anytime at 051-111-727-264 • Email: complaints@raqamidigital.com WHY CHOOSE RAQAMI? • Licensed by the State Bank of Pakistan • Shariah-Compliant Banking • Online Account Opening • Halal Profit on Savings • Islamic Term Deposits • Free Bill Payments • Instant Raast Transfers • Free Debit Card • Discounts through PayPak & Golootlo • Secure Banking • High Transaction Limits • 24/7 Customer Support Download Raqami Islamic Digital Bank today and experience secure, Shariah-compliant banking built for Pakistan.
Screenshots
Verdict
The clearest difference is rating: NCConnect at 5.0 against Raqami Islamic Digital Bank's 4.3. Raqami Islamic Digital Bank's advantage is ratings volume (39 vs 1) and update cadence (every 3 weeks vs every 6 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.
NCConnect holds the better App Store score, 5.0 against 4.3. That said, the two scores are not equally well evidenced: Raqami Islamic Digital Bank has 39 ratings behind it against 1, so its average is the more settled of the two.
NCConnect ships an update every 6 weeks, Raqami Islamic Digital Bank every 3 weeks. The most recent releases landed on October 29, 2026 and October 30, 2026 respectively.
| Parameter | NCConnect | Raqami Islamic Digital Bank |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) — better | 4.3 (39 ratings) |
| Positive reviews | — | 33.3% of reviews |
| Number of ratings | 1 | 39 — better |
| Update frequency | Every 6 weeks | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.0 — better | 15.6 |
| Further details — not scored | ||
| Size | 104 MB | 218 MB |
| Age rating | 4+ | 17+ |
| Developer | NATIONAL CLEARING COMPANY OF PAKISTAN LIMITED | Raqami Islamic Digital Bank Limited |
Customer experience
NCConnect
Raqami Islamic Digital Bank
In-app purchases
NCConnect
No in-app purchases
Raqami Islamic Digital Bank
No in-app purchases
Questions
Is NCConnect free?
Is Raqami Islamic Digital Bank free?
Which has better reviews, NCConnect or Raqami Islamic Digital Bank?
Do NCConnect or Raqami Islamic Digital Bank have ads?
Which is updated more often, NCConnect or Raqami Islamic Digital Bank?
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