# HBL Microfinance vs NayaPay

The clearest difference is rating: NayaPay at 4.7 against HBL Microfinance's 3.4. NayaPay also leads on ratings volume (1.1K vs 21) and update cadence (fortnightly vs every 2 months). HBL Microfinance's advantage is monetization model (free vs free with in-app purchases) and device support (3 vs 1). On price, ads, in-app purchases and iOS requirement there is nothing between them.

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

NayaPay holds the better App Store score, 4.7 against 3.4. That said, the two scores are not equally well evidenced: NayaPay has 1.1K ratings behind it against 21, so its average is the more settled of the two. Written reviews point the same way: 17% of HBL Microfinance's written reviews are positive against 31% of NayaPay's.

HBL Microfinance ships an update every 2 months, NayaPay fortnightly. Both last shipped on October 23, 2026.

## The numbers

| Metric | HBL Microfinance | NayaPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.4 (21 ratings)](https://appshunter.io/ios/app/hbl-microfinance/id1463030414/reviews) | **[4.7 (1.1K ratings)](https://appshunter.io/ios/app/nayapay/id1621286305/reviews)** |
| Number of ratings | 21 | **1.1K** |
| Positive reviews | 16.7% of reviews | **31.3% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Fortnightly** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 201 MB | 370 MB |
| Requires iOS | **15.6** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [FMFB Pakistan](https://appshunter.io/developer/1364824103) | [NAYAPAY (PVT.) LIMITED](https://appshunter.io/developer/1621286307) |

## What reviewers say

### HBL Microfinance

[App page](https://appshunter.io/ios/app/hbl-microfinance/id1463030414)

Manage your finances with this all-in-one banking and mobile wallet app. Send money, pay bills, recharge your phone, and apply for instant digital loans securely. Open a digital account and wallet for convenient mobile banking.

**Highlights:** Send and receive money instantly, Pay utility bills digitally, Recharge mobile load and bundles, Apply for instant digital loans, Manage bank account and debit card, Open digital bank account and wallet

**Features:** Vision Pro support

**In-app purchases:** none


### NayaPay

[App page](https://appshunter.io/ios/app/nayapay/id1621286305)

Manage all your finances in one place. Send money, pay bills, receive international remittances, and shop worldwide with a free Visa debit card. Get started instantly with no hidden fees.

**Highlights:** Send and receive money instantly, Pay bills from hundreds of merchants, Receive global remittances, Free virtual and physical Visa debit cards, Mobile top-ups and bundles, In-app chat for payments

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

**In-app purchases:** none

**What reviewers like**

- 👍 Best and fast
- 👍 Excellent Banking App
- 👍 Must Have
- 👍 Amazing..! Keep the good work up
- 👍 The very best out there!

**What reviewers complain about**

- 💰 Scammers. Non-transparent fees.
- 🐢 Slow and rude team
- 🚫 Not being able to receive OTP
- 🚫 Account Blocked — No Response from Support
- 💰 Nayapay is a Scam..Scammers

**Reported bugs**

- Transaction history and the screenshot
- Crashes when i try to authenticate.
- Not being able to pay my Utility bills

**Requested features**

- Add card support for Apple Pay wallet
- Previous screen shot option and transaction history has the full details of sender but now its hide so we cant see the account no and other this in history or in SS so please chnage the ss system or do the previous one which is perfect 👍
- Nayapay also should add personal loans option
- Utility bills ?


## Frequently asked questions

### Is HBL Microfinance free?

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

### Is NayaPay free?

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

### Which has better reviews, HBL Microfinance or NayaPay?

NayaPay is rated higher. HBL Microfinance averages 3.4 out of 5 from 21 ratings, while NayaPay averages 4.7 from 1.1K ratings.

### Do HBL Microfinance or NayaPay have ads?

Neither HBL Microfinance nor NayaPay shows ads.

### Which is updated more often, HBL Microfinance or NayaPay?

HBL Microfinance ships an update every 2 months, and NayaPay fortnightly. Most recently, HBL Microfinance was updated on October 23, 2026 and NayaPay on October 23, 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.*