CellPay vs Fonepay App
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
CellPay
This service allows users to make digital payments and transfer funds directly from their bank accounts. It offers a secure way to pay bills, book tickets, and manage various financial transactions through web and mobile channels.
- Digital payments
- Fund transfers
- Utility bill payments
- Merchant payments
- Flight booking
- Insurance payments
- Government payments
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CellPay is a payment service powered by Cellcom Private Limited, licensed by Nepal Rastra Bank. CellPay provides digital payments and fund transfer services that use web and mobile channels to help you make payments directly from your bank account. CellPay uses international-level security to ensure you are always protected. The best way to understand CellPay is as a digital debit card. The only difference is that unlike a debit card CellPay cannot be lost or stolen from you, and you can link multiple bank accounts to your CellPay account. Currently, the CellPay service supports utility payments, merchant payments and fund transfer services. Features of CellPay · Top Up: Ncell, NT, Smartcell (upto 4% cashback) · Data Pack: Ncell, NT · Fund Transfer: Transfer funds across all financial institutions of Nepal at bare minimum rate · ISP Payment: Supports bill payment across all top ISPs of Nepal. · DTH Payment: Supports bill payment across different cable operators in Nepal. · Electricity Bill: Payment can be made to NEA directly from our App. · Khanepani Bill : Payment can be made of different Khanepani and KUKL counters · Merchant Payment : Merchant payment can be done to all Fonepay and Nepal Pay merchants. · Flight Booking: Book Domestic airline tickets from our app and get highest cashback in the industry. · Insurance payment: Make hassle free payment to 15+ insurance companies in Nepal. · Demat: Renew and subscribe to different Demat accounts. · Government Payment: Pay for your traffic fine or can make any other government payment in Nepal. · Movie Tickets: Buy movie tickets for your favourite show across most of the halls in Nepal. · Bank Link: You can link your bank account across our partner banks and make hassle free transaction even faster. · Load Funds: You can now load funds into your CellPay wallet from different methods and from almost all financial institutions of Nepal.
Fonepay App
Manage all your bank accounts and wallets in one secure app for fast, instant payments. Earn rewards with every transaction and discover local offers. Settle bills with friends and family effortlessly.
- Consolidate bank accounts and wallets
- Fast QR and NFC payments
- Split bills and send payment requests
- Earn and redeem Fonepoints rewards
- Discover local offers and deals
- Securely manage finances
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Fonepay App – Payments, Points & Pure Joy! Life’s too short for slow payments. With the new Fonepay App, your money moves as fast as you do - whether you’re paying for coffee, splitting dinner, or booking that weekend getaway - and every payment earns you rewards along the way. All Your Money, One App Bank accounts? Wallets? Bring ’em all here and keep your finances in one secure place. Link them once and get instant, anytime access to your money, no app-hopping, no hassle. Pay Like a Pro Scan any QR to pay in a flash, tap your phone with FoneTAG at NFC-enabled spots, or show your own QR to get paid instantly. From coffee runs to big-ticket buys, every payment is smooth, simple, and lightning-fast. Fonepay Circle Hang out, split bills, settle up - or even send a payment request to friends, family, or colleagues. Whether it’s pizza night, trip plans, or rent sharing, Fonepay Circle keeps it cash-free and drama-free. Earn While You Spend Every payment you make turns into Fonepoints. Stack them up and redeem for food, fashion, travel, experiences, and all the little (and big) treats you love - because spending should always come with perks. Hot Offers Near You Turn on location and watch the deals roll in - from dining and shopping to travel and events. Fast. Fun. Rewarding. That’s how money should feel. Download Fonepay App today. Need help? Email: csd@fonepay.com
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Verdict
The clearest difference is rating: CellPay at 3.5 against Fonepay App's 2.0. CellPay also leads on review sentiment (33% vs 15%) and update cadence (every 3 weeks vs every 2 months). Fonepay App's advantage is ratings volume (44 vs 11). 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.
CellPay holds the better App Store score, 3.5 against 2.0. Both are backed by a comparable volume of ratings — 11 and 44 respectively. Written reviews point the same way: 33% of CellPay's written reviews are positive against 15% of Fonepay App's.
CellPay ships an update every 3 weeks, Fonepay App every 2 months. The most recent releases landed on August 25, 2026 and July 17, 2026 respectively.
| Parameter | CellPay | Fonepay App |
|---|---|---|
| Price | Free | Free |
| Rating | 3.5 (11 ratings) — better | 2.0 (44 ratings) |
| Positive reviews | 33.3% of reviews — better | 14.7% of reviews |
| Number of ratings | 11 | 44 — better |
| Update frequency | Every 3 weeks — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 13.0 — better | 15.5.0 |
| Further details — not scored | ||
| Size | 68 MB | 65 MB |
| Age rating | 4+ | 4+ |
| Developer | Cellcom Private limited | Fonepay Payment Service Limited |
Customer experience
CellPay
Fonepay App
In-app purchases
CellPay
No in-app purchases
Fonepay App
No in-app purchases








