Comparison

eNMB vs Central Smart

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

Head to head
About

eNMB

Manage your NMB Bank accounts and perform various banking transactions conveniently from your mobile device. Access self-service options, make transfers, pay bills, and update your account details on the go.

Highlights
  • Self-service account activation
  • PIN reset and change
  • View account balances and details
  • Fund transfers (inter and intra-bank)
  • Bill payments (school, water, electricity)
  • Create Fixed Deposits
  • Download and email statements
Features
Read full description

NMB Bank’s new Mobile Banking App is called eNMB, it provides banking on the go for all existing retail banking customers. If you are not an existing NMB Bank customer, you can open a savings account by visiting your nearest branch and then experience banking through our new application. If you are an existing NMB bank customer, you can download the application follow the simple one-time activation process, and experience the new digital experience. The new application is the first step towards the digital journey started by NMB Bank, the users can experience • Self services: - Self application activation for NMB Bank retail banking customers. - PIN reset. - Navigate to branches. - Navigate to ATM. - Contact support. - Change PIN. - FAQ • Banking on the go services: - View Accounts. - View FD. - View Loans. - Inter Bank Fund Transfer. - Intra Bank Fund Transfer. - Schedule Transfer. - Add Payee - Direct Transfer to Payee. - Create FD. - Email TDS. - Download & Email Statement • Services: - Stop check. - Occupation change. - Update marital status. - Update VAT/PAN. - Update the purpose of A/C. - Update the source of funds for A/C. - Update change in anticipated transactions to A/C. - Update number per year for the A/C. - Update temporary address • Pay Your Bills: - Pay school fees. - Pay water bill. - Pay electricity bill. - Topup Get started: To get started with eNMB, you just need your Customer Information File Number (CIF), In case you do not know your CIF number the application provides the option to fetch this number, you can follow the instructions. The app will take you through a one-time activation process when you download the mobile application and start the activation. eNMB App requires the following permissions: - Location: This is required for locating and navigating to the branches and ATM. - Photos / Media / Files / Camera: This is required to let you access the gallery / click an image to set a profile picture. Please note that your data is safe with NMB Bank. We do not share any information with the third party without your initiation. We never call you asking for your PIN, CIF, or Account numbers, please avoid giving such information to callers on the phone, email, or any other media for the security of your account.

About

Central Smart

Features
Read full description

Central Smart is Central Finance Official Mobile Banking App. Enjoy easy banking from your hand held devices, from anywhere anytime. Manage and use your Bank Account on the move and around the clock with this secure Mobile Banking App from Central Finance. This App will be regularly updated with additional new features. Key Features: 1. Banking On the Go 2. Bill Payments Made Easier 3. Top Up Made Easier 4. Fund Transfers Made Easier 5. QR Code: Scan and Pay 6. Instant Online and Retail Payment with Fonepay Network 7. Accessing your Account Informations Made Easier 8. User Friendly, Safe and Secure 9. And Many More Exciting Features Central Smart helps protect your information by using 128-bit SSL encryption when you are logged on. To be able to use this App, you first need to have a valid account maintained at Central Finance, and you need to subscribe to the Central Finance Mobile Banking Service. Banking has never been this simple and easier before. Enjoy Banking Without visiting your branch. Central Smart is a Member of Fonepay Network. Smart Banking for Smart People.

Screenshots

eNMB4 screens
Central Smart4 screens

Verdict

The call

The clearest difference is update cadence: eNMB at every 5 weeks against Central Smart's every 3 months. On price, ads, in-app purchases and device support 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.

UpkeepUpdate frequency

eNMB ships an update every 5 weeks, Central Smart every 3 months. The most recent releases landed on October 16, 2026 and October 4, 2026 respectively.

Scorecard1 real difference · 9 level
eNMB versus Central Smart: the parameters behind the verdict, then further details
ParametereNMBCentral Smart
PriceFreeFree
Rating4.4 (1.9K ratings) — better—
Positive reviews34.7% of reviews—
Number of ratings1.9K — better—
Update frequencyEvery 5 weeks — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.012.2 — better
Further details — not scored
Size106 MB64 MB
Age rating4+4+
DeveloperNMB Bank Ltd.Central Finance

In-app purchases

None

eNMB

No in-app purchases

None

Central Smart

No in-app purchases

Questions

Is eNMB free?
eNMB is free to download, with no in-app purchases.
Is Central Smart free?
Central Smart is free to download, with no in-app purchases.
Do eNMB or Central Smart have ads?
Neither eNMB nor Central Smart shows ads.
Which is updated more often, eNMB or Central Smart?
eNMB ships an update every 5 weeks, and Central Smart every 3 months. Most recently, eNMB was updated on October 16, 2026 and Central Smart on October 4, 2026.

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