Comparison

Nagad vs CellFin

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

Head to head
About

Nagad

Manage your daily financial transactions with ease, including cash in, cash out, sending money, and mobile recharge. The app offers secure transactions with PIN verification, transaction history, and personalized features. It supports multiple mobile network operators for bill payments and recharges.

Highlights
  • Cash in and cash out
  • Send money (P2P)
  • Mobile recharge and postpaid bill payment
  • Transaction history and summary
  • QR code scan for cash out
  • Two-phase PIN security
  • Contact list integration for transfers
Features
Read full description

Nagad app facilitates your daily financial transaction needs like cash in, cash out, send money (P2P), mobile recharge etc. You will get notifications on your latest Nagad activity; see your transaction history, transaction summary etc. Nagad is soon to bring very exciting and innovative services in the market to meet customer needs and demands. • Languages: Support both Bangla and English • Secured Financial Service app: Nagad app is a very secured app. Nagad App requires your PIN number in two phases. First for login and second for every transaction you need to provide PIN number. • Personalization: You can add your display name and can change your display picture. • No “send money” to wrong number: You can easily select the desired recipient from your contact list for fast and error-free money transfer. • Scan QR Code for Cash out: Scan QR codes at Uddokta points for Cash Out • Mobile Recharge: Recharge mobile or pay postpaid mobile bills for the mobile network operators below: o Robi o Airtel o Teletalk o Banglalink o Grameenphone For convenience, you can select frequently recharge amount from the screen. • Statement: Exert greater control over your digital financial service account by accessing your detailed transaction history, and a monthly transaction summary. • One tap balance check: checking your balance is very easy through a single tap on the screen • Notification: Receive notifications for your latest Nagad transactions.

About

CellFin

This app offers a comprehensive digital banking experience, allowing users to manage finances, open accounts, and perform transactions without visiting a branch. It provides a virtual card, money transfers, remittance services, and ATM cash withdrawals. Users can also locate bank services and manage complaints.

Highlights
  • Digital Wallet creation
  • Virtual VISA/MasterCard
  • Account integration
  • Balance checking
  • Bank account opening
  • Money transfer
  • Foreign remittance
  • Cardless ATM transactions
Read full description

Introducing Islami Bank CellFin: Your “All-in-One Mobile App for Digital Services”. Islami Bank CellFin is your go-to mobile app for all your digital needs, whether you're already a bank customer or not. If you have a mobile phone with a number and a Smartphone, you're good to go! Non transactional features: 1. No Bank Visit Needed: You don't have to visit the bank or deal with any paperwork. Simply download the app on your smartphone, and you're ready to roll. 2. Instant Digital Wallet: Once you've got the app, you can instantly create your own Digital Wallet. No need to wait for the bank – it's all automated for your convenience. 3. Virtual Card Included: We've got you covered with a virtual card – either VISA or MasterCard – assigned to your Digital Wallet. It's like having a card in your phone, and it makes all your transactions a breeze. 4. Account Integration: You can link Islami bank existing Khidmah credit card, prepaid card, CBS account, agent banking account, mCash account with this Digital Wallet for all kinds of transactional and non-transactional services. 5. Balance check: Conveniently check Bank, mCash and CellFin account balance at no cost without the need to visit a branch. 6. Complain management: Swiftly file and receive a complaint ticket number for any disputes directly through the app, eliminating the need to visit a branch. 7. Bank account opening: Easily open various accounts, such as Mudaraba Savings, Mudaraba Special Savings, Mudaraba Monthly Profit Deposit, Mudaraba Student Savings, Mudaraba Industrial Employee Savings, Payroll, Hajj Savings, and Muhor Savings accounts, all from the convenience of our app – no need to visit a bank branch. 8. Location service: Effortlessly find branch locations, sub-branches, ATMs, and agent outlets using the app's built-in locator feature. 9. Cheque book requisition: Order a cheque book right from our app with ease. 10. Notification: Stay in the loop with exclusive offers and exciting promotions through our app's notifications. 11. Overseas registration: Bangladeshi citizens can use CellFin with all the features from 26 countries over the world. Transactional Features: 1. Add Money: Easily add funds to your CellFin from various sources, including other bank cards, IBBPLC accounts, mCash, and IBBPLC debit and credit cards. 2. Send Money (Transfer): Effortlessly transfer funds, whether it's within IBBL or to other banks (IBBPLC to other banks) through EFT&NPSB, Binimoy, and also make transfers to mobile financial services such as mCash, bKash, Nagad, and other MFS providers. 3. Receive and Add Foreign Remittance: Receive and add foreign remittances to your account 24/7 through our app – no need to visit a bank branch. 4. Cardless Cash withdraw and deposut from ATM/CRM : Deposit and withdraw cash from your CellFin account, and even withdraw cash from your bank account, all without the need for a card, and it's absolutely free of charge. 5. QR based POS Purchase: You can use CellFin Quick Pay with ease, whether it's through Bangla QR or IBBL QR. Debit funds from your Bank account, CellFin account, mCash or IBBL Khidmah credit card hassle-free. 6. Ecommerce Transaction: You can shop hassle-free on thousands of e-commerce sites 24/7, making payments conveniently through CellFin. 7. Bill & other types of Payments: With CellFin, you can easily manage your bills for electricity, gas, telephone, internet, WASA (water supply), educational fees, admission fees, and more. Pay your bills conveniently and stay on top of your expenses all in one place. 8. Mobile Top-up: Top up your mobile balance or settle postpaid mobile bills in a flash with CellFin. We offer convenient shortcuts for major mobile network operators like Robi, Airtel, Banglalink, Grameenphone, and Teletalk, ensuring swift and hassle-free transactions. 9. Request Money: You can request money to another CellFin user at any time when you need.

Screenshots

Nagad4 screens
CellFin4 screens

Verdict

The call

The clearest difference is rating: Nagad at 3.5 against CellFin's 3.3. Nagad also leads on ratings volume (2K vs 340) and iOS requirement (12.0 vs 15.5). On price, review sentiment, update cadence and ads 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

Nagad holds the better App Store score, 3.5 against 3.3. That said, the two scores are not equally well evidenced: Nagad has 2K ratings behind it against 340, so its average is the more settled of the two. Written reviews complicate that: 24% of Nagad's written reviews are positive against 30% of CellFin's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Nagad ships an update monthly, CellFin every 2 months. The most recent releases landed on September 24, 2026 and September 22, 2026 respectively.

Scorecard3 real differences · 7 level
Nagad versus CellFin: the parameters behind the verdict, then further details
ParameterNagadCellFin
PriceFreeFree
Rating3.5 (2K ratings) — better3.3 (340 ratings)
Positive reviews24.1% of reviews29.7% of reviews — better
Number of ratings2K — better340
Update frequencyMonthly — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS12.0 — better15.5
Further details — not scored
Size147 MB97 MB
Age rating4+4+
DeveloperBangladesh Post OfficeIslami Bank Bangladesh Ltd

Customer experience

Nagad

All ratings1,975 ratings
Positive59.0%
Neutral6.8%
Negative34.2%
Written reviews261 reviews
Positive24.1%
Neutral5.4%
Negative70.5%

CellFin

All ratings340 ratings
Positive53.8%
Neutral6.8%
Negative39.4%
Written reviews202 reviews
Positive29.7%
Neutral10.9%
Negative59.4%

User reviews

Nagad

From 2K App Store ratings

What we love

  • 👍 Easy to use
  • 🚀 Fast transactions
  • 💡 Innovative features
  • 🔒 Secure platform

Room to improve

  • 🐛 Frequent app crashes
  • ⚠️ Unreliable service
  • 🤖 Poor customer support
  • 💸 High transaction fees

CellFin

From 340 App Store ratings

What we love

  • 🚀 Best app ever
  • 👍 Awesome experience
  • 💡 Smart Action
  • 👍 Helpful Financial App

Room to improve

  • 🐛 App crushed
  • 🐛 Doesn't work properly
  • 🐛 Login failed
  • 🐛 Verification process waste time
  • 🐛 Notification problems

Bugs and requests

Nagad

Reported bugs

4 issues
  • Login issues with OTP not received
  • Transaction failures and balance discrepancies
  • Compatibility problems with iOS 16 updates
  • Inability to cash out or transfer funds

Requested features

4 requests
  • Add money from credit/debit cards
  • Improve transaction history visibility
  • Introduce bill payment options
  • Enable virtual card feature

CellFin

Reported bugs

11 issues
  • Can't open account from overseas
  • Doesn't work in abroad
  • Can't use this apps on iPhone
  • Not working on iOS 15
  • Not working on iPhone 6
Show 6 more
  • Not working on iPhone 7 Plus
  • Not working on iPhone 12 Pro Max
  • Blank screen after NID photo upload
  • Crash when opening camera
  • Login screen freezes
  • Incompatible with older devices

Requested features

7 requests
  • Face ID login feature
  • Binimoy feature
  • Dark(black) mode
  • Beneficiary AC Saving Option
  • Cash in through ATM machine
Show 2 more
  • Prepaid Card Balance and Statement
  • MTDR account open option

In-app purchases

None

Nagad

No in-app purchases

None

CellFin

No in-app purchases

Questions

Is Nagad free?
Nagad is free to download, with no in-app purchases.
Is CellFin free?
CellFin is free to download, with no in-app purchases.
Which has better reviews, Nagad or CellFin?
Nagad is rated higher. Nagad averages 3.5 out of 5 from 2K ratings, while CellFin averages 3.3 from 340 ratings.
Do Nagad or CellFin have ads?
Neither Nagad nor CellFin shows ads.
Which is updated more often, Nagad or CellFin?
Nagad ships an update monthly, and CellFin every 2 months. Most recently, Nagad was updated on September 24, 2026 and CellFin on September 22, 2026.

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