Comparison

UnelmaPay vs MyPay Nepal

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

Head to head
About

UnelmaPay

Manage all your payments with this comprehensive digital wallet. Send money globally, pay bills, book travel, and get a virtual card for online purchases. It's a complete payment ecosystem for your everyday financial needs.

Highlights
  • Global money remittance
  • International mobile top-up
  • Instant P2P money transfers
  • Utility bill payments
  • Flight and hotel bookings
  • Virtual Visa card
  • International gift cards
Features
Read full description

Unelma Pay is a digital wallet that lets you pay, send and receive money — a complete payment ecosystem for everyday payments. WITH UNELMA PAY YOU CAN • Send money abroad — global remittance to supported countries, including Africa and Asia • Send international mobile top-up and recharge to phones worldwide • Send and receive money instantly between Unelma Pay users • Top up mobile balance and buy NTC & Ncell data packages • Pay utility bills — electricity, water, internet, TV, insurance premiums and traffic fines • Book domestic and international flights, hotels and bus tickets • Get a virtual Visa card for online payments worldwide • Buy international gift cards from hundreds of global brands • Load your wallet via local banks and supported payment partners • Track every payment with full history and downloadable PDF receipts Unelma Pay is more than a wallet — it's an entire payment ecosystem. JOIN THE COMMUNITY Facebook: https://www.facebook.com/unelmapay/ PROBLEMS? FEEDBACK? The more you tell us, the better UnelmaPay gets. https://unelmasupport.com

About

MyPay Nepal

This digital wallet app offers hassle-free financial transactions and aims to improve customer experience in Nepal. It provides a seamless digital experience with a user-friendly interface and potentially high cashback rewards.

Highlights
  • Hassle-free financial transactions
  • Improved customer experience
  • Seamless digital experience
  • User-friendly interface
  • Cashback rewards
  • KYC for privileged services
Features
Read full description

MyPay (Smart Card Nepal Pvt. Ltd.) is a FinTech company primarily looking to address critical structural digital wallet solutions in Nepal. Our prime focus is to improve customer experience, increase outreach and reduce operational friction effectively. We continuously strive to provide nimble, innovative and hassle-free financial transactions for users of all age group. We wish to create a paradigm shift by shaping customer behavior and effectively improving long term customer experience. Our vision is to create more diverse, secure and stable financial landscape. Our mission is to be less homogeneous than existing incumbent providers and simultaneously improve capabilities and culture. Our core values have been imbibed in our team members and shareholders. "Continuous innovation, technical advancement and permissive payment solutions on your finer-tips" MyPay enables seamless digital experience with its user-friendly app. Apart, MyPay offers you highest cashback (probably). Wallet had never been so fun without MyPay. Registration process: 1. Download MyPay Nepal app. 2. To register, enter your mobile number 3. Enter OTP received in the mobile number you entered. 4. Fill the form and submit 5. Congratulations you have been successfully registered with MyPay. Don’t forget to update your KYC to unlock privileged services Every money saved is money earned. [:mav: 17.0.4]

Screenshots

UnelmaPay4 screens
MyPay Nepal4 screens

Verdict

The call

The clearest difference is rating: MyPay Nepal at 3.0 against UnelmaPay's 1.0. MyPay Nepal also leads on ratings volume (6 vs 1). UnelmaPay's advantage is update cadence (every 3 days vs every 3 weeks). On price, ads, in-app purchases and monetization model 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

MyPay Nepal holds the better App Store score, 3.0 against 1.0. That said, the two scores are not equally well evidenced: MyPay Nepal has 6 ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

UnelmaPay ships an update every 3 days, MyPay Nepal every 3 weeks. The most recent releases landed on November 3, 2026 and November 7, 2026 respectively.

Scorecard3 real differences · 7 level
UnelmaPay versus MyPay Nepal: the parameters behind the verdict, then further details
ParameterUnelmaPayMyPay Nepal
PriceFreeFree
Rating1.0 (1 ratings)3.0 (6 ratings) — better
Positive reviews0.0% of reviews—
Number of ratings16 — better
Update frequencyEvery 3 days — betterEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.0 — better16.0
Further details — not scored
Size36 MB73 MB
Age rating17+4+
DeveloperUnelma PlatformsSmart Card Nepal

Customer experience

UnelmaPay

All ratings1 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

MyPay Nepal

All ratings6 ratings
Positive33.3%
Neutral33.3%
Negative33.3%

In-app purchases

None

UnelmaPay

No in-app purchases

None

MyPay Nepal

No in-app purchases

Questions

Is UnelmaPay free?
UnelmaPay is free to download, with no in-app purchases.
Is MyPay Nepal free?
MyPay Nepal is free to download, with no in-app purchases.
Which has better reviews, UnelmaPay or MyPay Nepal?
MyPay Nepal is rated higher. UnelmaPay averages 1.0 out of 5 from 1 ratings, while MyPay Nepal averages 3.0 from 6 ratings.
Do UnelmaPay or MyPay Nepal have ads?
Neither UnelmaPay nor MyPay Nepal shows ads.
Which is updated more often, UnelmaPay or MyPay Nepal?
UnelmaPay ships an update every 3 days, and MyPay Nepal every 3 weeks. Most recently, UnelmaPay was updated on November 3, 2026 and MyPay Nepal on November 7, 2026.

Other comparisons