Comparison

UnelmaPay vs Hamro Pay

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

Head to head
About

UnelmaPay

This digital wallet facilitates secure and convenient online payments. It enables users to transfer funds between wallets, accept payments via major gateways, and manage utility bill payments. It's a comprehensive payment ecosystem for seamless transactions.

Highlights
  • Online payment processing
  • Wallet-to-wallet fund transfers
  • Accept payments via third-party gateways
  • Utility bill payments
  • Top-up services
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

Hamro Pay

Features
Read full description

Hamro Pay is Nepal's emerging digital wallet and payment platform, designed to make your financial transactions simple, secure, and seamless. Whether you're paying bills, transferring funds, or managing expenses, Hamro Pay is your trusted partner for a smarter, hassle-free financial journey. Why Hamro Pay? Hamro Pay is more than just a payment platform; it's your financial assistant, simplifying your financial life. Enjoy unmatched convenience, top-notch security, and real-time support, while unlocking exclusive offers and rewards. Key Features That Set Us Apart: ● Effortless Payments and Money Transfers Send money instantly to friends, family, or directly to bank accounts with just a few taps. ● Mobile and Data Pack Recharge Stay connected with quick and easy top-ups for your mobile phones and data packs. ● Comprehensive Bill Payments Pay your: ● Electricity bills ● Water bills ● Internet bills ● TV bills ...in just a few clicks—on time, every time. ● Multi-Language Support Use the app in your preferred language, including: ● English ● Nepali ● Nepal Bhasa ● Maithili ● Doteli ● Tharu ● Bill Payment Reminders Never miss a due date with timely bill payment reminders, keeping your finances on track effortlessly. ● Request Money with Ease Need funds? Use the "Ask Money" feature to send requests to loved ones effortlessly. ● Expense Splitting Simplify group expenses with features to split and track costs, making shared payments stress-free. ● Exciting Offers and Cashback Enjoy exclusive deals, rewards, and cashback on your transactions. ● Universal QR Payments Scan and pay seamlessly at stores, markets, and local businesses with wide QR code compatibility. ● Track Spending with Ease Understand and manage your money better with simple spending summaries and insights. ● Event Ticketing Discover and book tickets for shows, events, and activities directly through the app. ● Link Bank Accounts for Direct Payments Securely link your bank accounts and pay directly without any hassle. ● Flight and Bus Ticketing Book flights and bus tickets with ease, right from the app, for your hassle-free travel planning. ● Government Payments Simplify your obligations by paying government-related fees and taxes securely through Hamro Pay. ● Audio Notifications Stay informed with real-time audio alerts for transactions. ● 24/7 Chat Support We're always here for you! Get instant help, anytime you need it. Secure, Simple, and User-Friendly With cutting-edge security features and an intuitive interface, Hamro Pay ensures your transactions are safe, reliable, and effortless. Download Hamro Pay today and experience the future of digital payments in Nepal!

Screenshots

UnelmaPay4 screens
Hamro Pay4 screens

Verdict

The call

The clearest difference is update cadence: UnelmaPay at every 3 days against Hamro Pay's every 2 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

UnelmaPay ships an update every 3 days, Hamro Pay every 2 months. The most recent releases landed on October 8, 2026 and September 29, 2026 respectively.

Scorecard1 real difference · 9 level
UnelmaPay versus Hamro Pay: the parameters behind the verdict, then further details
ParameterUnelmaPayHamro Pay
PriceFreeFree
Rating1.0 (1 ratings) — better—
Positive reviews0.0% of reviews—
Number of ratings1 — better—
Update frequencyEvery 3 days — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.014.0 — better
Further details — not scored
Size36 MB88 MB
Age rating17+4+
DeveloperUnelma PlatformsHamro Patro

In-app purchases

None

UnelmaPay

No in-app purchases

None

Hamro Pay

No in-app purchases

Questions

Is UnelmaPay free?
UnelmaPay is free to download, with no in-app purchases.
Is Hamro Pay free?
Hamro Pay is free to download, with no in-app purchases.
Do UnelmaPay or Hamro Pay have ads?
Neither UnelmaPay nor Hamro Pay shows ads.
Which is updated more often, UnelmaPay or Hamro Pay?
UnelmaPay ships an update every 3 days, and Hamro Pay every 2 months. Most recently, UnelmaPay was updated on October 8, 2026 and Hamro Pay on September 29, 2026.

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