# NMC Smart vs SahakaariPay

The clearest difference is rating: SahakaariPay at 5.0 against NMC Smart's 1.0. NMC Smart's advantage is iOS requirement (12.1 vs 16.6). On price, ratings volume, update cadence and ads there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

SahakaariPay holds the better App Store score, 5.0 against 1.0. Both are backed by a comparable volume of ratings — 1 and 1 respectively.

NMC Smart ships an update every 4 months, SahakaariPay every 3 months. The most recent releases landed on June 9, 2026 and September 25, 2026 respectively.

## The numbers

| Metric | NMC Smart | SahakaariPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.0 (1 ratings)](https://appshunter.io/ios/app/nmc-smart/id1461696175/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/sahakaaripay/id1492035241/reviews)** |
| Number of ratings | 1 | 1 |
| Positive reviews | 0.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Every 3 months** |
| Monetization | Free | Free |
| Size | 73 MB | 79 MB |
| Requires iOS | **12.1** | 16.6 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [NMC Multipurpose Cooperative Ltd.](https://appshunter.io/developer/1461696174) | [Planet Earth Solutions](https://appshunter.io/developer/1467135176) |

## What reviewers say

### NMC Smart

[App page](https://appshunter.io/ios/app/nmc-smart/id1461696175)

Manage your bank account conveniently from your mobile device. Perform transactions, pay bills, and transfer funds securely anytime, anywhere. Enjoy easy access to your account information and make payments using QR codes.

**Highlights:** Banking on the go, Bill payments, Top-ups, Fund transfers, QR code payments, Account information access

**In-app purchases:** none


### SahakaariPay

[App page](https://appshunter.io/ios/app/sahakaaripay/id1492035241)

This mobile banking app allows users to perform financial transactions like utility payments, money transfers, and mobile top-ups. It connects with third-party payment gateways and is designed for small financial institutions, offering a cost-effective and intuitive solution.

**Highlights:** Utility bill payments, Online money transfers, Mobile top-ups, Third-party payment gateway integration, Multi-vendor support, SMS banking option

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is NMC Smart free?

NMC Smart is free to download, with no in-app purchases.

### Is SahakaariPay free?

SahakaariPay is free to download, with no in-app purchases.

### Which has better reviews, NMC Smart or SahakaariPay?

SahakaariPay is rated higher. NMC Smart averages 1.0 out of 5 from 1 ratings, while SahakaariPay averages 5.0 from 1 ratings.

### Do NMC Smart or SahakaariPay have ads?

Neither NMC Smart nor SahakaariPay shows ads.

### Which is updated more often, NMC Smart or SahakaariPay?

NMC Smart ships an update every 4 months, and SahakaariPay every 3 months. Most recently, NMC Smart was updated on June 9, 2026 and SahakaariPay on September 25, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*