Comparison

Unique Smart Banking vs Narayani Smart

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

Head to head
About

Unique Smart Banking

Features
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Unique Smart Banking allows its registered users to access their account in a convenient manner. It is secure and is available 24x7. The user can preview their balance, statements, request cheque book, transfer fund and online payments such as mobile topups and internet payments.

About

Narayani Smart

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Narayani Smart is Narayani Bank's Official Mobile Banking App. Enjoy easy banking from your hand held devices, from anywhere anytime. Manage and use your Bank Account on the move and around the clock with this secure Mobile Banking App from Narayani Bank. This App will be regularly updated with additional new features. Key Features: 1. Banking On the Go 2. Bill Payments Made Easier 3. Top Up Made Easier 4. Fund Transfers Made Easier 5. QR Code: Scan and Pay 6. Instant Online and Retail Payment with Fonepay Network 7. Accessing your Account Informations Made Easier 8. User Friendly, Safe and Secure 9. And Many More Exciting Features Narayani Smart helps protect your information by using 128-bit SSL encryption when you are logged on. To be able to use this App, you first need to have a valid account maintained at Narayani Bank, and you need to subscribe to the Narayani Bank's Mobile Banking Service. Banking has never been this simple and easier before. Enjoy Banking Without visiting your branch. Narayani Smart is a Member of Fonepay Network. Smart Banking for Smart People.

Screenshots

Unique Smart Banking4 screens
Narayani Smart4 screens

Verdict

The call

The clearest difference is update cadence: Unique Smart Banking at monthly against Narayani Smart's every 5 months. Narayani Smart's advantage is iOS requirement (12.4 vs 15.6). On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price ยท Rating ยท Positive reviews ยท Number of ratings ยท Update frequency ยท Ads ยท In-app purchases ยท Monetization ยท Best chart rank ยท Devices ยท Requires iOS

CostPrice ยท In-app purchases ยท Ads ยท Monetization

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

UpkeepUpdate frequency

Unique Smart Banking ships an update monthly, Narayani Smart every 5 months. The most recent releases landed on November 3, 2026 and October 30, 2026 respectively.

Scorecard2 real differences ยท 4 level
Unique Smart Banking versus Narayani Smart: the parameters behind the verdict, then further details
ParameterUnique Smart BankingNarayani Smart
PriceFreeFree
Update frequencyMonthly โ€” betterEvery 5 months
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.612.4 โ€” better
Further details โ€” not scored
Size16 MB163 MB
Age rating4+17+
DeveloperMICRO BANKER NEPALNarayani Development

In-app purchases

None

Unique Smart Banking

No in-app purchases

None

Narayani Smart

No in-app purchases

Questions

Is Unique Smart Banking free?
Unique Smart Banking is free to download, with no in-app purchases.
Is Narayani Smart free?
Narayani Smart is free to download, with no in-app purchases.
Do Unique Smart Banking or Narayani Smart have ads?
Neither Unique Smart Banking nor Narayani Smart shows ads.
Which is updated more often, Unique Smart Banking or Narayani Smart?
Unique Smart Banking ships an update monthly, and Narayani Smart every 5 months. Most recently, Unique Smart Banking was updated on November 3, 2026 and Narayani Smart on October 30, 2026.

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