e vs Moru
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
e
This finance app facilitates saving and borrowing money through a digital platform, mimicking a traditional piggy bank or 'khutrukey'. It allows users to manage their finances without visiting a physical bank and offers peer-to-peer lending options.
- Digital savings account
- Peer-to-peer lending
- Mobile-first finance management
- Virtual piggy bank functionality
- Access without physical bank visits
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e-dheba is an app introduced by 'IMPERIAL CREDIT & SAVINGS COOPERATIVE LTD.' that encourages you to save money using online technologies and your phone without having to go to a physical bank and that also lets you borrow money from your peer network instead of through traditional avenues like banks and credit cards. The concept would be that the app would work like a 'khutrukey' or a 'piggy bank' where they can save money from the app itself.
Moru
This digital wallet simplifies financial transactions with an intuitive interface. Easily send, request, and track all your payments and utility bills in one place. It aims to encourage digital payments and provide users with a clear overview of their financial activity.
- Send and receive money
- Utility bill payments
- Transaction history tracking
- Mobile top-up
- Remittance services
- Simplified registration
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मोरूमा धेरै सरल र सबैले बुझ्न सक्ने ईन्टरफेस छ । यो प्रयोगकर्ताको सबै कारोवारहरुको जनाकारी प्रदान गर्नकालागि एक उपयुक्त माध्यम हो र मोरुबाट एक क्लिकमा सजिलैसँग पैसा पठाउन र प्राप्त गर्न समेत सकिने छ। मोरू डिजिटल आफ्ना प्रयोगकर्ताहरुलाई आफ्नो खर्च प्रति वफादार बनाउन सक्षम रहनेछ किनकि यसले प्रयोगकर्ताहरूका लागि डिजिटल रकम SEND र REQUEST गरी बर्गिकरण गरि राखेको छ । यसको प्रमुख उदेश्य भनेको अर्थव्यवस्थाको वास्तविक संक्रमणलाई समाधान गराउँनुहो, मानिसहरूलाई डिजिटल माध्यमबाट एक व्यक्ति बाट अर्को व्यक्ति सँग भुक्तानिको कार्यमा प्रेरित गराउँनु यसको प्रमुख लक्ष्य रहेको छ । थप, मोरूले प्रयोगकर्ताहरूलाई उनीहरूको आर्थिक कारोवारहरुको जानकारी दिने प्रयास गर्नेछ। एक पटकको पहुँच पछि प्रयोग कर्ताहरुले केवल एक क्लिक बाट वालेट मार्फत प्रत्येक सेवा अन्तर्गत आफुले प्रयोग गरेका सम्पूर्ण कारोवारहरुको पूर्ण विबरणहरु हेर्न सक्नेछन । आफ्नो सम्पूर्ण कारोवारको पूर्ण अध्ययन गरि प्रयोगकर्ताहरुले आफ्नो डिजिटल जीवनको महत्व तुलना गर्न सक्नेछन । दर्ता प्रक्रिया · मोरु डिजिटल एप डाउनलोड गर्नुहोस् ¸ · Register मा क्लिक गरी आफ्नो मोवाईल नम्बर राख्नुहोस्¸ मोवाईल नम्बरमा OTP आउनेछ¸ · आएको OTP राख्नुहोस र विबरण भर्नुहोस · तपाईले मोरु खाता दर्ता गर्नु भयो¸तपाईको मोरु ID मोवाईल नम्बर हुनेछ¸ · आफ्नो KYC पुरा गर्नुहोस मोरुमा कसरी रकम लोड गर्ने ? · मोवाईल बैंकिङ · ईन्टरनेट बैंकिङ · कनेक्ट आईपिएस · कार्ड लोड · अन्य मोरु प्रयोगकर्ताबाट हाम्रा सेवाहरु · मोवाईल टपअप · बिद्धुत महसुल भुक्तानि · ल्यान्ड्लाई बिल भुक्तानि · खानेपानी बिल भुक्तानि · हवाई टिकट · चलचित्र टिकट · ईन्टरनेट बिल भुक्तानि · टेलिभिजन बिल · ईन्सुरेन्स प्रिमियम भुक्तानि · NCELL/NTC डाटा/भ्वाईस प्याक · सरकारी भुक्तानी - आन्तरिक राजस्व भुक्तानी - सामाजिक सुरक्षा कोष - बोनस कर भुक्तानी - ट्राफिक जरिवाना भुक्तानी · एन्टिभाइरस भुक्तानी · ब्रोकर शुल्क भुक्तानी . रेमिट्यान्स ग्राहक सेवा विवरण टेलिफोन नम्बर +९७७-१-४५४३८८८ मोवाईल नम्बर ९८०१०३५३४८ भाईबर वाट्सएप ९८०१०३५३४८ म्यासेन्जर https://m.me/MoruOfficial ईमेल: info@moru.com.np Moru Digital Wallet has a very simplistic and minimalistic interface. It is a one stop solution for all your utility payments and you can send and receive money easily with a single click. Moru has remained loyal to the basics of the digital economy as it has prioritized the users to SEND and REQUEST money digitally. This classic approach is to motivate the actual transition of the economy, reminding people to enter into all Person to Person level payments from digital channels. Further, Moru tries to give users their financial information. Just a click away, users can look at all the transactions they have entered ever through the wallet and under each service as well. Users can compare their digital journey so far by contesting the total transactions. Registration process: 1. Download Moru Digital Wallet app. 2. To register, enter your mobile number then you will receive an OTP in the mobile number you entered. 3. Enter the OTP and fill the form. 4. You will be a registered user of MORU and your mobile number will be your MORU id. Also, get you KYC verified. How to Load Fund in Moru Wallet: 1. Via Mobile Banking 2. Via E- Banking 3. ConnectIPS 4. Card Load 5. Receive funds from other Moru users. Our Services: · Bank Transfer · Mobile Top-up · Electricity Bill Payment · Landline Bill Payment · Telephone Bill Payment · Khanepani Bill Payment · Flight Ticket Booking · Bus Ticketing Booking · Movie Ticket Booking · Internet Bill Payment · Credit Card Bill Payment · Insurance Premium Payment · Ncell and NTC Data/Voice Pack · Government Services: - Government Revenue Payment (IRD) - Social Security Fund - Traffic Police Fine - Bonus Tax · Antivirus Payment · Stock Brokers Payment · Remittance Customer Service Details: Telephone Number: +977-1- 4542488, +977-1-4543888 + Mobile Number: +977 9801035348 Viber, WhatsApp: +977 9801035348 Messenger: https://m.me/MoruOfficial Email: info@moru.com.np
Screenshots
Verdict
The clearest difference is review sentiment: Moru at 100% against e's 0%. Moru also leads on rating (4.5 vs 3.3) and ratings volume (44 vs 7). e's advantage is update cadence (every 9 days vs monthly). 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.
Moru holds the better App Store score, 4.5 against 3.3. That said, the two scores are not equally well evidenced: Moru has 44 ratings behind it against 7, so its average is the more settled of the two. Written reviews point the same way: 0% of e's written reviews are positive against 100% of Moru's.
e ships an update every 9 days, Moru monthly. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.
| Parameter | e | Moru |
|---|---|---|
| Price | Free | Free |
| Rating | 3.3 (7 ratings) | 4.5 (44 ratings) — better |
| Positive reviews | 0.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 7 | 44 — better |
| Update frequency | Every 9 days — better | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 13.0 | 13.0 |
| Further details — not scored | ||
| Size | 98 MB | 51 MB |
| Age rating | 4+ | 4+ |
| Developer | IMPERIAL CREDIT & SAVINGS COOPERATIVE LTD. | Pay Nep Private Limited |
Customer experience
e
Moru
In-app purchases
e
No in-app purchases
Moru
No in-app purchases









