# Central Smart vs HI

The clearest difference is update cadence: HI at weekly against Central Smart's every 3 months. Central Smart's advantage is iOS requirement (12.2 vs 15.6). On price, ads, in-app purchases and device support there is nothing between them.

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

Central Smart ships an update every 3 months, HI weekly. The most recent releases landed on October 4, 2026 and October 15, 2026 respectively.

## The numbers

| Metric | Central Smart | HI |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[1.5 (84 ratings)](https://appshunter.io/ios/app/hi-mb-plus/id6753976366/reviews)** |
| Number of ratings | — | **84** |
| Positive reviews | — | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Weekly** |
| Monetization | — | Free with in-app purchases |
| Size | 64 MB | 165 MB |
| Requires iOS | **12.2** | 15.6 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Central Finance](https://appshunter.io/developer/1578626562) | [Himalayan Bank Limited](https://appshunter.io/developer/971712710) |

## What reviewers say

### Central Smart

[App page](https://appshunter.io/ios/app/central-smart/id1602503042)

**Features:** macOS Compatibility

**In-app purchases:** none


### HI

[App page](https://appshunter.io/ios/app/hi-mb-plus/id6753976366)

Manage your bank accounts and perform various financial transactions on the go. This app offers fund transfers, card management, loan and deposit views, QR payments, and access to account statements and branch information.

**Highlights:** Fund transfer (same and other banks), Card management, Loan and fixed deposit view, QR payments (NepalPay, eSewa), Account statement and transfer activities, Balance enquiry, Utility payments

**In-app purchases:** none

**What reviewers complain about**

- 🐛 Crashes and freezes
- 🔌 Connection issues
- 👎 Poor user experience
- 🤯 Frustrating app performance

**Reported bugs**

- Unable to log in with existing credentials
- Captcha validation not working
- Inconsistent app behavior and errors

**Requested features**

- Bring back the old working version
- Improve login and account recovery process
- Enhance overall app stability and reliability


## Frequently asked questions

### Is Central Smart free?

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

### Is HI free?

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

### Do Central Smart or HI have ads?

Neither Central Smart nor HI shows ads.

### Which is updated more often, Central Smart or HI?

Central Smart ships an update every 3 months, and HI weekly. Most recently, Central Smart was updated on October 4, 2026 and HI on October 15, 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.*