# HBL Microfinance vs Raqami Islamic Digital Bank

The clearest difference is rating: Raqami Islamic Digital Bank at 4.3 against HBL Microfinance's 3.4. Raqami Islamic Digital Bank also leads on review sentiment (33% vs 17%) and update cadence (every 3 weeks vs every 2 months). On price, ratings volume, ads and in-app purchases there is nothing between them.

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

Raqami Islamic Digital Bank holds the better App Store score, 4.3 against 3.4. Both are backed by a comparable volume of ratings — 21 and 38 respectively. Written reviews point the same way: 17% of HBL Microfinance's written reviews are positive against 33% of Raqami Islamic Digital Bank's.

HBL Microfinance ships an update every 2 months, Raqami Islamic Digital Bank every 3 weeks. The most recent releases landed on October 29, 2026 and October 28, 2026 respectively.

## The numbers

| Metric | HBL Microfinance | Raqami Islamic Digital Bank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.4 (21 ratings)](https://appshunter.io/ios/app/hbl-microfinance/id1463030414/reviews) | **[4.3 (38 ratings)](https://appshunter.io/ios/app/raqami-islamic-digital-bank/id6745778804/reviews)** |
| Number of ratings | 21 | **38** |
| Positive reviews | 16.7% of reviews | **33.3% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 206 MB | 218 MB |
| Requires iOS | 15.6 | 15.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [FMFB Pakistan](https://appshunter.io/developer/1364824103) | [Raqami Islamic Digital Bank Limited](https://appshunter.io/developer/1813826814) |

## 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


### Raqami Islamic Digital Bank

[App page](https://appshunter.io/ios/app/raqami-islamic-digital-bank/id6745778804)

This digital banking app offers a secure and modern Islamic banking experience in Pakistan. It allows for fully digital account opening in under 5 minutes, Shariah-compliant savings and term deposits with competitive profit rates, and everyday banking features like free debit cards and money transfers.

**Highlights:** Fully digital account opening, Shariah-compliant savings and term deposits, Biometrically secured banking, Free PayPak Debit Card, Free money transfers via Raast, 24/7 customer support

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

**In-app purchases:** none


## Frequently asked questions

### Is HBL Microfinance free?

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

### Is Raqami Islamic Digital Bank free?

Raqami Islamic Digital Bank is free to download, with no in-app purchases.

### Which has better reviews, HBL Microfinance or Raqami Islamic Digital Bank?

Raqami Islamic Digital Bank is rated higher. HBL Microfinance averages 3.4 out of 5 from 21 ratings, while Raqami Islamic Digital Bank averages 4.3 from 38 ratings.

### Do HBL Microfinance or Raqami Islamic Digital Bank have ads?

Neither HBL Microfinance nor Raqami Islamic Digital Bank shows ads.

### Which is updated more often, HBL Microfinance or Raqami Islamic Digital Bank?

HBL Microfinance ships an update every 2 months, and Raqami Islamic Digital Bank every 3 weeks. Most recently, HBL Microfinance was updated on October 29, 2026 and Raqami Islamic Digital Bank on October 28, 2026.

---

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