Comparison

HBL Microfinance vs PayFast

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

Head to head
About

HBL Microfinance

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
Read full description

Best Online Banking & Mobile Wallet App in Pakistan – HBL Microfinance Bank App Experience the future of digital banking in Pakistan with HBL Microfinance Bank App— the best online banking and mobile wallet app in Pakistan that combines Banking + Wallet services in one secure app. Send money, receive funds, pay bills, recharge mobiles, apply for instant digital loans, manage your bank account, and control your debit card all from your smartphone, anytime, anywhere in Pakistan. Open your digital bank account and wallet today and enjoy secure, fast, and convenient mobile banking. All-in-One Banking & Mobile Wallet App in Pakistan HBL Microfinance Bank allows you to manage both your bank account and mobile wallet seamlessly in one app, giving you complete control of your finances through secure digital banking services. Instant Money Transfer & Fund Transfer App Send and receive money instantly across Pakistan: • Transfer money to any bank account in Pakistan • Send money to mobile wallet users • Transfer funds within HBL Microfinance Bank accounts • Secure and instant 24/7 digital transactions One of the fastest and safest online money transfer apps in Pakistan. Mobile Load & Internet Bundle Recharge Recharge your mobile anytime: • Prepaid and postpaid mobile load for all networks • Internet and call bundles for Telenor & Ufone • Instant mobile recharge with secure payment The easiest mobile load and bundle recharge app in Pakistan. Online Utility Bill Payment App Pay all your bills digitally in seconds: • Electricity bill payment • Gas bill payment • Water bill payment • PTCL & internet bill payment • Multiple utility services supported Avoid long queues with one of the most reliable bill payment apps in Pakistan. Instant Nano Loans – Quick Digital Loan in Pakistan Get instant access to emergency funds with HBL Microfinance Bank App Nano Loan: • Apply digitally without paperwork • Get instant loan approval • Receive up to PKR 15,000 directly in your wallet • Flexible repayment options One of the most convenient instant loan apps in Pakistan. FPIN Your secure key to access and authorize transactions on your HBL Microfinance Bank app. Complete Bank Account Management Link and manage your HBL Microfinance Bank account digitally: • Real-time balance checking • Transaction history and account statements • Utility bill payments from bank account • Cheque book requests and tracking • Stop cheque facility • Tax certificate and account maintenance services • Dynamic QR payments • View profits, financing, and loan details

About

PayFast

Manage your finances digitally with this comprehensive payment app. Easily transfer money, shop online, and pay bills from one place. Track your spending with transaction history and insights, and enjoy 24/7 customer support.

Highlights
  • Digital money transfers
  • Online shopping payments
  • Bill payments
  • Transaction history and insights
  • QR code payments
  • 24/7 customer support
Features
Read full description

With the PayFast app, it’s time to go digital! Sign-up and make easy money transfers to your friends, shop online, or pay your bills! A full-stack payment suite in one app! How to top up? We offer you the convenience of topping up the way you want! Add your preferred bank account, credit & debit card, or wallet, and add your top-up amount! Money Transfer We’ve made payments social! Send or request payments to and from friends, family, or any of your contacts! We also allow you to add labels to your transactions! History & Insights Want to where your money goes? Want to budget better? Our transaction history and labels allow you to keep track of your money. Our insights feature turns your payment history into a chart! Bill Payments Make all of your bill payments anytime, anywhere! Pay for your phone bill, utilities, and healthcare using the PayFast app. Our partnership with 1Bill by 1Bill allows you to select your billing company and simply enter your Consumer Number to make your payment. QR Payments Your payments are a quick scan away! 24/7 Support Our team is available round-the-clock to answer your questions. We allow you to create support tickets so that we can quickly resolve any issues you may face. Tons of in-app features at your disposal!

Screenshots

HBL Microfinance4 screens
PayFast4 screens

Verdict

The call

The clearest difference is rating: PayFast at 5.0 against HBL Microfinance's 3.4. HBL Microfinance's advantage is ratings volume (21 vs 1). On price, update cadence, ads and in-app purchases 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

PayFast holds the better App Store score, 5.0 against 3.4. That said, the two scores are not equally well evidenced: HBL Microfinance has 21 ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

HBL Microfinance ships an update every 2 months, PayFast monthly. The most recent releases landed on October 6, 2026 and September 23, 2026 respectively.

Scorecard2 real differences · 8 level
HBL Microfinance versus PayFast: the parameters behind the verdict, then further details
ParameterHBL MicrofinancePayFast
PriceFreeFree
Rating3.4 (21 ratings)5.0 (1 ratings) — better
Positive reviews16.7% of reviews—
Number of ratings21 — better1
Update frequencyEvery 2 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.615.6
Further details — not scored
Size201 MB16 MB
Age rating4+17+
DeveloperFMFB PakistanAVANZA PREMIER PAYMENT SERVICES LIMITED

Customer experience

HBL Microfinance

All ratings21 ratings
Positive57.1%
Neutral4.8%
Negative38.1%
Written reviews6 reviews
Positive16.7%
Neutral33.3%
Negative50.0%

PayFast

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

HBL Microfinance

No in-app purchases

None

PayFast

No in-app purchases

Questions

Is HBL Microfinance free?
HBL Microfinance is free to download, with no in-app purchases.
Is PayFast free?
PayFast is free to download, with no in-app purchases.
Which has better reviews, HBL Microfinance or PayFast?
PayFast is rated higher. HBL Microfinance averages 3.4 out of 5 from 21 ratings, while PayFast averages 5.0 from 1 ratings.
Do HBL Microfinance or PayFast have ads?
Neither HBL Microfinance nor PayFast shows ads.
Which is updated more often, HBL Microfinance or PayFast?
HBL Microfinance ships an update every 2 months, and PayFast monthly. Most recently, HBL Microfinance was updated on October 6, 2026 and PayFast on September 23, 2026.

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