Comparison

CellPay vs Fonepay App

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

Head to head
About

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.

Highlights
  • Digital payments
  • Fund transfers
  • Utility bill payments
  • Merchant payments
  • Flight booking
  • Insurance payments
  • Government payments
Features
Read full description

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.

About

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.

Highlights
  • 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
Features
Read full description

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

Screenshots

CellPay4 screens
Fonepay App4 screens

Verdict

The call

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

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

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.

UpkeepUpdate frequency

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.

Scorecard5 real differences · 5 level
CellPay versus Fonepay App: the parameters behind the verdict, then further details
ParameterCellPayFonepay App
PriceFreeFree
Rating3.5 (11 ratings) — better2.0 (44 ratings)
Positive reviews33.3% of reviews — better14.7% of reviews
Number of ratings1144 — better
Update frequencyEvery 3 weeks — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS13.0 — better15.5.0
Further details — not scored
Size68 MB65 MB
Age rating4+4+
DeveloperCellcom Private limitedFonepay Payment Service Limited

Customer experience

CellPay

All ratings11 ratings
Positive54.5%
Neutral18.2%
Negative27.3%
Written reviews6 reviews
Positive33.3%
Neutral16.7%
Negative50.0%

Fonepay App

All ratings44 ratings
Positive25.0%
Neutral2.3%
Negative72.7%
Written reviews34 reviews
Positive14.7%
Neutral0.0%
Negative85.3%

In-app purchases

None

CellPay

No in-app purchases

None

Fonepay App

No in-app purchases

Questions

Is CellPay free?
CellPay is free to download, with no in-app purchases.
Is Fonepay App free?
Fonepay App is free to download, with no in-app purchases.
Which has better reviews, CellPay or Fonepay App?
CellPay is rated higher. CellPay averages 3.5 out of 5 from 11 ratings, while Fonepay App averages 2.0 from 44 ratings.
Do CellPay or Fonepay App have ads?
Neither CellPay nor Fonepay App shows ads.
Which is updated more often, CellPay or Fonepay App?
CellPay ships an update every 3 weeks, and Fonepay App every 2 months. Most recently, CellPay was updated on August 25, 2026 and Fonepay App on July 17, 2026.

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