# MCB Live vs NayaPay

The clearest difference is rating: NayaPay at 4.7 against MCB Live's 4.3. NayaPay also leads on update cadence (fortnightly vs every 6 weeks). MCB Live's advantage is monetization model (free vs free with in-app purchases) and device support (3 vs 1). On price, review sentiment, ratings volume and ads there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

NayaPay holds the better App Store score, 4.7 against 4.3. Both are backed by a comparable volume of ratings — 1.6K and 1.1K respectively. Written reviews point the same way: 25% of MCB Live's written reviews are positive against 31% of NayaPay's.

MCB Live ships an update every 6 weeks, NayaPay fortnightly. Both last shipped on October 30, 2026.

## The numbers

| Metric | MCB Live | NayaPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.3 (1.6K ratings)](https://appshunter.io/ios/app/mcb-live/id1584933248/reviews) | **[4.7 (1.1K ratings)](https://appshunter.io/ios/app/nayapay/id1621286305/reviews)** |
| Number of ratings | **1.6K** | 1.1K |
| Positive reviews | 25.2% of reviews | **31.3% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Fortnightly** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 566 MB | 374 MB |
| Requires iOS | **14.0** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [MCB Bank Ltd.](https://appshunter.io/developer/1020212373) | [NAYAPAY (PVT.) LIMITED](https://appshunter.io/developer/1621286307) |

## What reviewers say

### MCB Live

[App page](https://appshunter.io/ios/app/mcb-live/id1584933248)

This digital banking app offers a secure and convenient way to manage your finances on the go. It features a new user interface for easy navigation and allows for a wide range of financial and non-financial transactions, including bill payments, fund transfers, and card management.

**Highlights:** Bill Payment to 1,000+ Billers, Swift Fund Transfers, Secure Transactions with OTP, Multiple Accounts Management, Card Management & Activation, ATM Locator

**Features:** macOS Compatibility, Siri integration, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Smooth and user-friendly
- 🚀 Excellent app
- 🚀 Improved app
- 🚀 Good app, better than old app

**What reviewers complain about**

- 🐛 Crashes, lags, and unresponsive
- 🐛 Glitchy, buggy, and unstable
- 🐛 Slow, freezes, and takes forever to load
- 🐛 Unreliable and unpredictable
- 🐛 Frequent login and transfer issues

**Reported bugs**

- App crashes or freezes frequently
- Login and registration issues
- Unable to transfer funds or make payments
- Incorrect account information and beneficiary details
- Compatibility issues with newer device updates

**Requested features**

- Allow copy-paste functionality
- Improve biometric login and verification
- Enhance transaction history and reporting
- Streamline bill payment and fund transfer process
- Provide more customization options


### NayaPay

[App page](https://appshunter.io/ios/app/nayapay/id1621286305)

Manage all your finances in one place. Send money, pay bills, receive international remittances, and shop worldwide with a free Visa debit card. Get started instantly with no hidden fees.

**Highlights:** Send and receive money instantly, Pay bills from hundreds of merchants, Receive global remittances, Free virtual and physical Visa debit cards, Mobile top-ups and bundles, In-app chat for payments

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Best and fast
- 👍 Excellent Banking App
- 👍 Must Have
- 👍 Amazing..! Keep the good work up
- 👍 The very best out there!

**What reviewers complain about**

- 💰 Scammers. Non-transparent fees.
- 🐢 Slow and rude team
- 🚫 Not being able to receive OTP
- 🚫 Account Blocked — No Response from Support
- 💰 Nayapay is a Scam..Scammers

**Reported bugs**

- Transaction history and the screenshot
- Crashes when i try to authenticate.
- Not being able to pay my Utility bills

**Requested features**

- Add card support for Apple Pay wallet
- Previous screen shot option and transaction history has the full details of sender but now its hide so we cant see the account no and other this in history or in SS so please chnage the ss system or do the previous one which is perfect 👍
- Nayapay also should add personal loans option
- Utility bills ?


## Frequently asked questions

### Is MCB Live free?

MCB Live is free to download, with no in-app purchases.

### Is NayaPay free?

NayaPay is free to download, with no in-app purchases.

### Which has better reviews, MCB Live or NayaPay?

NayaPay is rated higher. MCB Live averages 4.3 out of 5 from 1.6K ratings, while NayaPay averages 4.7 from 1.1K ratings.

### Do MCB Live or NayaPay have ads?

Neither MCB Live nor NayaPay shows ads.

### Which is updated more often, MCB Live or NayaPay?

MCB Live ships an update every 6 weeks, and NayaPay fortnightly. Most recently, MCB Live was updated on October 30, 2026 and NayaPay on October 30, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*