Comparison

CellPay vs Global Smart Plus

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

Global Smart Plus

This app offers a secure and convenient way to manage your finances across multiple channels with a single login. It simplifies daily transactions, fund transfers, bill payments, and even allows for online account opening and fixed deposit applications.

Highlights
  • Fund Transfer (Intra-Bank & Inter-Bank)
  • Interoperable QR Payments
  • QR Cash Withdrawal
  • Online Account Opening
  • Online Fixed Deposit
  • Bill Payments
  • Government Payments
Features
Read full description

Experience next-generation digital banking with Global Smart Plus, the all-in-one banking platform from Global IME Bank. Designed with a seamless omni-channel experience and single sign-on access, Global Smart Plus allows you to use the same login credentials across platforms for secure and convenient banking anytime, anywhere. From opening a bank account instantly to making QR payments, paying utility bills, managing cards, investing in shares, and tracking your expenses, Global Smart Plus brings all your everyday banking and financial needs into one secure and smart platform. With built-in personal financial management tools, digital services, and real-time access to your finances, banking has never been easier, faster, or smarter. Why Choose Global Smart Plus? Quick Account Opening: Experience seamless onboarding. You can open a bank account from the app using highly secure AI powered 3D facial authentication and start transacting within few minutes. Personal Financial Management: See where your money goes with Budget360°. Track daily expenses, set savings goals, use round up savings, set budget and split bills when needed. Share Market: Stay ahead in the market. Access real-time NEPSE data, apply for IPOs instantly, manage your portfolio, and find investment opportunities. Global Smart Plus includes live market tracking, share calculator, stock screeners, and fundamental/technical analysis tools to help make informed decisions. Global Junior Account Open Introduce children to smart banking from an early age with the Global Junior App, a companion app of Global Smart Plus. Parents can manage and monitor their child’s financial activities, encourage saving habits, and help them learn responsible money management in a safe and guided way. QR Payment: Scan ANY payment QR with Global Smart Plus. Payments can be made effortlessly across FonePay, NepalPay and SCT network. Complete Card Management: Manage your debit, credit cards, travel card, ecom card and more with Global Smart Plus. Link your cards, make real-time credit card payments, view CVV and detailed card information, and access transaction history anytime. The app also lets you block/unblock cards, request Green PIN, download credit card statements, view card limits, reset PIN count, and enjoy many more secure self-service features. Experience convenient and secure card management directly from your mobile. Digital Loan: Apply for Remit Karja or a loan against your fixed deposit straight from the app. No paperwork. Utility & Bills Payment: Pay for your internet, airlines, electricity, and water bills, or manage EMIs and Top-ups. Everything is simplified in one app. Government Payments: Skip the queues! Easily pay SSF, Traffic Fines, EPS, Health Insurance Board, NOC, OCR, and over 28+ other government payments. Merchant Payments: Make seamless payments to merchants, schools, vendors, and manage your EMIs effortlessly. Cable Car Ticket Booking Made Easy: Book cable car tickets easily with Global Smart Plus app. You can purchase tickets for popular cable cars like Chandragiri, Manakamana, Maulakalika, Lumbini, Annapurna, and more in just a few taps. The app offers a secure and hassle-free digital payment experience, helping you avoid long queues at ticket counters. Plan your travel conveniently and enjoy a smooth journey to your favorite destinations. International Airlines Book international airline tickets directly from the app. Whether you are travelling for business, study, or leisure, Global Smart Plus helps you manage your flight booking and payment in one secure platform. Download Global Smart Plus and start your banking journey.

Screenshots

CellPay4 screens
Global Smart Plus4 screens

Verdict

The call

The clearest difference is rating: Global Smart Plus at 3.9 against CellPay's 3.5. Global Smart Plus also leads on ratings volume (124 vs 11). On price, review sentiment, update cadence and ads 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

Global Smart Plus holds the better App Store score, 3.9 against 3.5. That said, the two scores are not equally well evidenced: Global Smart Plus has 124 ratings behind it against 11, so its average is the more settled of the two. Written reviews complicate that: 33% of CellPay's written reviews are positive against 26% of Global Smart Plus's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on October 9, 2026 and October 10, 2026 respectively.

Scorecard2 real differences · 8 level
CellPay versus Global Smart Plus: the parameters behind the verdict, then further details
ParameterCellPayGlobal Smart Plus
PriceFreeFree
Rating3.5 (11 ratings)3.9 (124 ratings) — better
Positive reviews33.3% of reviews — better26.2% of reviews
Number of ratings11124 — better
Update frequencyEvery 3 weeksEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS13.013.0
Further details — not scored
Size68 MB304 MB
Age rating4+17+
DeveloperCellcom Private limitedGlobal IME Bank Ltd.

Customer experience

CellPay

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

Global Smart Plus

All ratings124 ratings
Positive72.6%
Neutral6.5%
Negative21.0%
Written reviews65 reviews
Positive26.2%
Neutral6.2%
Negative67.7%

Bugs and requests

CellPay

Not enough reviews yet to summarise bugs or requests.

Global Smart Plus

Reported bugs

16 issues
  • Time out when opening account
  • Face lock option not showing
  • System cannot recognize two different SIM cards on the same phone
  • App not working/login crashes after update
  • Password change issues
Show 11 more
  • Login crashes
  • Cannot login after last update
  • Login option not shown in app
  • Temporary unavailable response
  • Fund transfer not working on iOS 16
  • Cannot change bank name while transferring via mobile number
  • Cannot send money to different banks, only QR works
  • App logged out and never logged in again after update
  • Payment issues
  • Not working overseas
  • Cross border payment not working

Requested features

9 requests
  • Add face lock option
  • ATM card request and delivery options
  • Bring back the old UI
  • Update more (e.g., cross border payment)
  • Merge personal and business accounts for QR code sharing
Show 4 more
  • Auto update feature
  • Send money to other bank accounts
  • Provide statement for more than 90 days
  • Improve cross border payment functionality

In-app purchases

None

CellPay

No in-app purchases

None

Global Smart Plus

No in-app purchases

Questions

Is CellPay free?
CellPay is free to download, with no in-app purchases.
Is Global Smart Plus free?
Global Smart Plus is free to download, with no in-app purchases.
Which has better reviews, CellPay or Global Smart Plus?
Global Smart Plus is rated higher. CellPay averages 3.5 out of 5 from 11 ratings, while Global Smart Plus averages 3.9 from 124 ratings.
Do CellPay or Global Smart Plus have ads?
Neither CellPay nor Global Smart Plus shows ads.
Which is updated more often, CellPay or Global Smart Plus?
CellPay ships an update every 3 weeks, and Global Smart Plus every 3 weeks. Most recently, CellPay was updated on October 9, 2026 and Global Smart Plus on October 10, 2026.

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