Comparison

NCConnect vs Raqami Islamic Digital Bank

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

Head to head
About

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.

Highlights
  • 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
Features
Read full description

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).

About

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.

Highlights
  • 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
Features
Read full description

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

NCConnect4 screens
Raqami Islamic Digital Bank4 screens

Verdict

The call

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

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

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.

UpkeepUpdate frequency

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.

Scorecard3 real differences · 7 level
NCConnect versus Raqami Islamic Digital Bank: the parameters behind the verdict, then further details
ParameterNCConnectRaqami Islamic Digital Bank
PriceFreeFree
Rating5.0 (1 ratings) — better4.3 (39 ratings)
Positive reviews—33.3% of reviews
Number of ratings139 — better
Update frequencyEvery 6 weeksEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.0 — better15.6
Further details — not scored
Size104 MB218 MB
Age rating4+17+
DeveloperNATIONAL CLEARING COMPANY OF PAKISTAN LIMITEDRaqami Islamic Digital Bank Limited

Customer experience

NCConnect

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Raqami Islamic Digital Bank

All ratings35 ratings
Positive82.9%
Neutral0.0%
Negative17.1%
Written reviews6 reviews
Positive33.3%
Neutral0.0%
Negative66.7%

In-app purchases

None

NCConnect

No in-app purchases

None

Raqami Islamic Digital Bank

No in-app purchases

Questions

Is NCConnect free?
NCConnect is free to download, with no in-app purchases.
Is Raqami Islamic Digital Bank free?
Raqami Islamic Digital Bank is free to download, with no in-app purchases.
Which has better reviews, NCConnect or Raqami Islamic Digital Bank?
NCConnect is rated higher. NCConnect averages 5.0 out of 5 from 1 ratings, while Raqami Islamic Digital Bank averages 4.3 from 39 ratings.
Do NCConnect or Raqami Islamic Digital Bank have ads?
Neither NCConnect nor Raqami Islamic Digital Bank shows ads.
Which is updated more often, NCConnect or Raqami Islamic Digital Bank?
NCConnect ships an update every 6 weeks, and Raqami Islamic Digital Bank every 3 weeks. Most recently, NCConnect was updated on October 29, 2026 and Raqami Islamic Digital Bank on October 30, 2026.

Other comparisons