Comparison

Fonepay App vs Namaste Pay

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

Head to head
About

Fonepay App

Manage all your bank accounts and wallets in one secure app for fast, instant payments. Earn rewards with every transaction and discover local offers. Settle bills with friends and family effortlessly.

Highlights
  • Consolidate bank accounts and wallets
  • Fast QR and NFC payments
  • Split bills and send payment requests
  • Earn and redeem Fonepoints rewards
  • Discover local offers and deals
  • Securely manage finances
Features
Read full description

Fonepay App – Payments, Points & Pure Joy! Life’s too short for slow payments. With the new Fonepay App, your money moves as fast as you do - whether you’re paying for coffee, splitting dinner, or booking that weekend getaway - and every payment earns you rewards along the way. All Your Money, One App Bank accounts? Wallets? Bring ’em all here and keep your finances in one secure place. Link them once and get instant, anytime access to your money, no app-hopping, no hassle. Pay Like a Pro Scan any QR to pay in a flash, tap your phone with FoneTAG at NFC-enabled spots, or show your own QR to get paid instantly. From coffee runs to big-ticket buys, every payment is smooth, simple, and lightning-fast. Fonepay Circle Hang out, split bills, settle up - or even send a payment request to friends, family, or colleagues. Whether it’s pizza night, trip plans, or rent sharing, Fonepay Circle keeps it cash-free and drama-free. Earn While You Spend Every payment you make turns into Fonepoints. Stack them up and redeem for food, fashion, travel, experiences, and all the little (and big) treats you love - because spending should always come with perks. Hot Offers Near You Turn on location and watch the deals roll in - from dining and shopping to travel and events. Fast. Fun. Rewarding. That’s how money should feel. Download Fonepay App today. Need help? Email: csd@fonepay.com

About

Namaste Pay

A mobile wallet service for Nepal, enabling cash-in, cash-out, peer-to-peer transfers, and utility bill payments. It offers integration with multiple banks and supports payments to merchants and government services.

Highlights
  • Cash-in and cash-out services
  • Peer-to-peer money transfers
  • Utility bill payments (telecom, electricity, water)
  • Bank account integration
  • Merchant payments
  • Government and educational payments
Features
Read full description

Namaste Pay is a new mobile wallet in Nepal brought by Nepal Digital Payments Company (NDPC). NDPC is a joint endeavor between Nepal Telecom and Rastriya Banijya Bank, the leading public enterprises of Nepal in telecom and banking sector respectively. The Namaste Pay wallet service shall work over various channels including smart phone applications, USSD and web portal. Initially, the wallet shall provide cash-in, cash-out, peer-to-peer transfers and a few utilities including telecom recharge, electricity bill payment and water bill payment. More services including the following shall be added in forthcoming releases: Bank Account Integration: Option of over 9+ banks and growing. For loading money to wallet or sending money from the wallet to bank account. Cash-In: Load your wallet directly through mobile banking, debit card/credit card or through our authorized agent. Cash-Out: Quick transfer the wallet money to your bank account or convert your wallet balance to cash in your pocket through nearby agent. Wallet to wallet transfer: Now you can send money fast and easy to other wallets. It's never been easier to send/receive money to friends and family. Utilities Payment: Telecom service top-up or internet bill payment in just few clicks. Pay bills for other utility services such as Water, Electricity, DTH etc. right from your mobile so why stand in queue. More services shall be added in the coming days. Merchant Payments: Pay various online and offline merchants. Book movie tickets, flight tickets, bus tickets. Pay for medical services. Eat out at restaurants, buy groceries, do shopping or even pay for cup of tea. Namaste Pay shall be accepted in thousands of shops and outlets across Nepal. Government Payment: Paying taxes and fees to government or receiving allowances from government, all made hassle free and quick like never before. Educational Institute: Pay school, college, university and professional institutions' fees instantly without any hurdle.

Screenshots

Fonepay App4 screens
Namaste Pay4 screens

Verdict

The call

The clearest difference is update cadence: Namaste Pay at weekly against Fonepay App's every 2 months. Namaste Pay also leads on rating (2.3 vs 2.0). Fonepay App's advantage is ratings volume (44 vs 3). On price, review sentiment, 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

Namaste Pay holds the better App Store score, 2.3 against 2.0. That said, the two scores are not equally well evidenced: Fonepay App has 44 ratings behind it against 3, so its average is the more settled of the two. Written reviews complicate that: 15% of Fonepay App's written reviews are positive against 13% of Namaste Pay's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Fonepay App ships an update every 2 months, Namaste Pay weekly. The most recent releases landed on July 17, 2026 and September 12, 2026 respectively.

Scorecard3 real differences · 7 level
Fonepay App versus Namaste Pay: the parameters behind the verdict, then further details
ParameterFonepay AppNamaste Pay
PriceFreeFree
Rating2.0 (44 ratings)2.3 (3 ratings) — better
Positive reviews14.7% of reviews — better12.5% of reviews
Number of ratings44 — better3
Update frequencyEvery 2 monthsWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.5.015.1 — better
Further details — not scored
Size65 MB62 MB
Age rating4+4+
DeveloperFonepay Payment Service LimitedNepal Digital Payments Company

Customer experience

Fonepay App

All ratings44 ratings
Positive25.0%
Neutral2.3%
Negative72.7%
Written reviews34 reviews
Positive14.7%
Neutral0.0%
Negative85.3%

Namaste Pay

All ratings3 ratings
Positive33.3%
Neutral0.0%
Negative66.7%
Written reviews8 reviews
Positive12.5%
Neutral12.5%
Negative75.0%

In-app purchases

None

Fonepay App

No in-app purchases

None

Namaste Pay

No in-app purchases

Questions

Is Fonepay App free?
Fonepay App is free to download, with no in-app purchases.
Is Namaste Pay free?
Namaste Pay is free to download, with no in-app purchases.
Which has better reviews, Fonepay App or Namaste Pay?
Namaste Pay is rated higher. Fonepay App averages 2.0 out of 5 from 44 ratings, while Namaste Pay averages 2.3 from 3 ratings.
Do Fonepay App or Namaste Pay have ads?
Neither Fonepay App nor Namaste Pay shows ads.
Which is updated more often, Fonepay App or Namaste Pay?
Fonepay App ships an update every 2 months, and Namaste Pay weekly. Most recently, Fonepay App was updated on July 17, 2026 and Namaste Pay on September 12, 2026.

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