Comparison

digiBOP vs HabiMate

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

Head to head
About

digiBOP

Manage your everyday banking needs conveniently and securely from anywhere. This app allows for easy fund transfers, bill payments, mobile recharges, and account management. You can also activate and manage your debit cards, find nearby ATMs, and access exclusive discounts.

Highlights
  • Funds Transfer (own accounts, BOP, other banks, wallets)
  • Bill Payments (utilities, credit cards, online shopping, government)
  • Mobile Recharge/Top-up
  • Account Information & Transaction History
  • Debit Card Management (activate, lock/unlock)
  • Locate ATMs and Branches
  • Secure Touch ID Login
Features
Read full description

A unique digital banking experience with digiBOP Mobile Banking App. Experience convenient and seamless digital banking with the latest digiBOP Mobile App. Offering unique features and improved interface, BOP customers can now attend their everyday banking needs anywhere, anytime with the redefined mobile banking app digiBOP. Funds Transfer: • Transfer within own Accounts • Transfer Funds to BOP Accounts, • Transfer Funds to other bank accounts via RAAST/1-Link • Transfer Funds to wallets/microfinance bank accounts/wallets Bill Payments: • Utility bill payments • Credit Card & Loan Accounts payments • Online Shopping Companies bill payment • Pay Government challans and fees (FBR payments) Mobile Recharge/ Top up • Recharge/ top up your prepaid/ postpaid mobile (Jazz, Telenor, Zong, Ufone) • Purchase prepaid super-card/bundles with BOP mobile banking Account Information • View your account(s) balance(s) and other account details (Branch, IBAN) • Manage multiple accounts with ease • View your transaction history and account statement Card Management: • Activate your debit card • Lock/unlock debit card • Manage permissions on your debit/credit cards Discount & Offers: • Search & Navigate to the nearby deals and discounts offered on BOP cards (Debit/Credit) with BOP mobile banking Locate Us: • Find the nearby BOP ATMs and Branches Basic Banking features: • Login through secure touch ID • Beneficiary Management • Payee Management • Contact Us for complaint and queries • Update your mobile number/password Feedback: • Leave a message and one of our customer care representatives will get back to you Let us know your feedback regarding the BOP mobile banking app Follow us • facebook.com/thebankofpunjab • twitter.com/thebankofpunjab • Visit us: bop.com.pk

About

HabiMate

Effortlessly manage shared household expenses and track who owes whom. Log bills, split costs with custom rules, and coordinate with housemates using a shared wall for updates and photos. It simplifies financial organization for shared living spaces.

Highlights
  • Log and split expenses
  • Custom splitting rules
  • Optional receipt scanning
  • Track balances and settlements
  • House Wall for updates
  • QR code house invites
Features
Read full description

HabiMate helps roommates split shared costs clearly—without spreadsheet chaos. • Log expenses and split fairly (equal or custom rules) • Optional receipt scan to suggest amounts—always verify before saving • See who owes whom and suggested settlements (you pay friends however you like) • House Wall for photos, updates, and coordination • Join a house with QR codes and invites Privacy: https://habimate.com/privacy Account deletion: https://habimate.com/delete-account Support: https://habimate.com/contact HabiMate helps you organize splits; it isn’t legal, tax, or financial advice.

Screenshots

digiBOP4 screens
HabiMate4 screens

Verdict

The call

The clearest difference is review sentiment: HabiMate at 100% against digiBOP's 2%. HabiMate also leads on rating (5.0 vs 1.1) and update cadence (every 5 days vs monthly). digiBOP's advantage is ratings volume (12 vs 1) and iOS requirement (12.0 vs 15.1). 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

HabiMate holds the better App Store score, 5.0 against 1.1. That said, the two scores are not equally well evidenced: digiBOP has 12 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 2% of digiBOP's written reviews are positive against 100% of HabiMate's.

UpkeepUpdate frequency

digiBOP ships an update monthly, HabiMate every 5 days. The most recent releases landed on October 18, 2026 and October 14, 2026 respectively.

Scorecard5 real differences · 5 level
digiBOP versus HabiMate: the parameters behind the verdict, then further details
ParameterdigiBOPHabiMate
PriceFreeFree
Rating1.1 (12 ratings)5.0 (1 ratings) — better
Positive reviews1.5% of reviews100.0% of reviews — better
Number of ratings12 — better1
Update frequencyMonthlyEvery 5 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS12.0 — better15.1
Further details — not scored
Size187 MB50 MB
Age rating4+4+
DeveloperThe Bank Of PunjabMuhammad Zahid

Customer experience

digiBOP

All ratings12 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews65 reviews
Positive1.5%
Neutral0.0%
Negative98.5%

HabiMate

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

digiBOP

Reported bugs

12 issues
  • OTP disappears automatically
  • OTP cannot be typed or pasted
  • OTP not received
  • App crashes on startup
  • Login screen freezes or shows errors
Show 7 more
  • Profile locked error
  • Cannot add new payees/beneficiaries
  • App hangs and gets stuck
  • Previous version worked better
  • New version not picking card data
  • Auto-fetch OTP error
  • App crashes on iPhone iOS version 12.5.5

Requested features

8 requests
  • Update app
  • Fix OTP issues
  • Improve login process
  • Improve customer service
  • Fix bugs and errors
Show 3 more
  • Improve UI/UX
  • Hire better developers
  • Make app work properly

HabiMate

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

digiBOP

No in-app purchases

None

HabiMate

No in-app purchases

Questions

Is digiBOP free?
digiBOP is free to download, with no in-app purchases.
Is HabiMate free?
HabiMate is free to download, with no in-app purchases.
Which has better reviews, digiBOP or HabiMate?
HabiMate is rated higher. digiBOP averages 1.1 out of 5 from 12 ratings, while HabiMate averages 5.0 from 1 ratings.
Do digiBOP or HabiMate have ads?
Neither digiBOP nor HabiMate shows ads.
Which is updated more often, digiBOP or HabiMate?
digiBOP ships an update monthly, and HabiMate every 5 days. Most recently, digiBOP was updated on October 18, 2026 and HabiMate on October 14, 2026.

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