Comparison

Addiko Mobile Hrvatska vs eSewa

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

Head to head
About

Addiko Mobile Hrvatska

Manage your finances on the go with this mobile banking app. Easily make payments, control credit card spending, and access banking services like opening an e-booklet or managing your card PIN. Enjoy features like instant payments and barcode scanning for bills.

Highlights
  • Instant payments
  • Photo pay for bills
  • IBAN sharing
  • Credit card management
  • eKnjižica (e-booklet)
  • Redomat (queue management)
  • mToken access
Features
Read full description

Aktivacija Za aktivaciju Addiko mobilnog bankarstva posjetite poslovnicu Addiko banke te slijedite upute za preuzimanje i aktiviranje Addiko Mobile aplikacije. Što nudi Addiko Mobile Koristite Instant plaćanje te plaćajte 0-24, u najkraćem mogućem roku po cijeni redovnog izvršenja. Brzo i jednostavno kreirajte platne naloge ili plaćajte račune opcijom Slikaj i plati, skeniranjem barkoda ili iz datoteke. Podijelite svoj IBAN s prijateljima kao broj ili 2D bar kod direktno iz aplikacije bez potrebe za prepisivanjem. Kontrolirajte troškove kreditne kartice, pogledajte PIN kartice te sami privremeno blokirajte ili odblokirajte svoju karticu, prema potrebi. Dijelite na rate naknadno troškove kreditne kartice, u par klikova. Otvorite eKnjižicu u par klikova te vršite uplate i isplate bilo kada. Uz opciju Redomat ne gubite vrijeme na čekanje u redu. Opciji mToken pristupajte lako, bez prijave u aplikaciju. Jednostavno prilagodite početni ekran, jezik i temu aplikacije. ------------ Activation To activate Addiko mobile banking, visit an Addiko bank branch and follow the instructions to download and activate the Addiko Mobile application. What Addiko Mobile offers Use Instant payment and pay 0-24, in the shortest possible time at the price of regular execution. Quickly and easily create payment orders or pay bills with the Photo pay and pay option, by scanning a barcode or from a file. Share your IBAN with friends as a number or 2D barcode directly from the application. Control credit card costs, view the card PIN and temporarily block or unblock your card yourself, as needed. Divide credit card costs into installments later, in a few clicks. Open the eBook in a few clicks and make deposits and withdrawals at any time. With the Redomat option, you don't waste time waiting in line. Access the mToken option easily, without logging into the application. Simply customize the home screen, language and application theme.

About

eSewa

This app allows users to manage their finances and pay bills directly from their mobile devices. Users can easily recharge their phones, pay for utilities like electricity and water, and even book tickets, potentially saving money each month.

Highlights
  • Mobile recharge and top-up
  • Utility bill payments (electricity, water, internet)
  • Ticket booking (air, bus)
  • Fund loading via internet banking, counter deposit, or cash points
  • Send and receive money
  • Online shopping
  • School fee payments
Features
Read full description

इसेवा नेपालकै पहिलो मोबाइल खाता हो । इसेवामा खाता खोली आफ्नै मोबाइलबाट नि:शुल्क आफ्नो मोबाइल रिचार्ज, घरको बिजुली, खानेपानी, टेलिफोन, इन्टरनेट आदिको बिल भुक्तानी गरि मासिक रु ५०० देखि रु २००० सम्म बचत गर्नुहोस् । इसेवा कसरी प्रयोग गर्ने ? रजिष्ट्रेशन इसेवाको App Download गरि Register गर्नुहोस् । यसरी Register गर्दा तपाँईको मोबाइल नम्बर नै तपाँइको इसेवा आइडी हुनेछ । इसेवामा पैसा जम्मा गर्न इसेवामा चार प्रकारबाट सजिलै रकम जम्मा गर्न सकिन्छ: १. इन्टरनेट वा मोबाइल बैंकिङ मार्फत बैंकको खाताबाट इन्टरनेट वा मोबाइल बैंकिङ मार्फत इसेवामा नि:शुल्क रकम जम्मा गर्नुहोस। मोबाइल/इन्टरनेट बैंकिङ सेवा लिनु भएको छैन भने आजै आफ्नो बैंक को शाखामा गएर सेवा सुरु गराउनुहोस । २. काउण्टर डिपोजिट मार्फत इसेवाको पार्टनर बैंक मध्ये ७ वटा बैंकबाट इसेवामा काउण्टर डिपोजिट पनि गर्न सकिन्छ । ग्लोबल आइएमई बैंक, प्रभु बैंक, महालक्ष्मी डेभेलपमेन्ट बैंक, जनता बैंक, मेगा बैंक ओम डेभेलपमेन्ट बैंक कामना सेवा विकास बैंक ३. eSewa Cash Point मार्फत तपाँईको आफ्नो टोल छिमेकमा रहेका eSewa Cash Point चिन्ह अंकित इसेवाका एजेन्ट मार्फत पनि नि:शुल्क रकम जम्मा गर्नुहोस। ४. तपाँईले अन्य इसेवा प्रयोगकर्ताबाट इसेवामा पैसा राख्न र पठाउन पनि सक्नुहुन्छ । इसेवामा उपलब्ध सेवाहरु: मोबाइल रिचार्ज र टपअप ल्याण्डलाइन बिल हवाइजहाज र बस टिकट बिजुली र खानेपानीको बिल भुक्तानी इन्टरनेटको बिल भुक्तानी टेलिभिजन रिचार्ज मुभि टिकट होटल बुकिङ स्कुल फि इन्सुरेन्स प्रिमियम किस्ता भुक्तानी डिम्याट खाता दर्ता र नविकरण क्रेडिट कार्ड बिल भुक्तानी अनलाइन सपिङ बैंक डिपोजिट इसेवाको बारेमाः eSewa fonepay Pvt. Ltd. सन् २००९ बाट सेवा दिइरहेको नेपालको पहिलो भुक्तानी सेवा प्रदायक कम्पनि हो । मोबाइल तथा इन्टरनेट बैंकिङको सफ्टवेयर प्रदायक कम्पनिमा नेपालकै अग्रणी स्थानमा रहेको F1Soft International को एक सहायक कम्पनिको रुपमा इसेवा रहेको छ । हाल नेपालको ७७ वटै जिल्लामा पहुँच भएको यस eSewa fonepay Pvt. Ltd. सँग १० लाख भन्दा बढि दर्ता भएका ग्राहकहरु , ४०,००० भन्दा बढि व्यवसायी (eSewa Zone/Point), ४७ बैंकहरु तथा १,५०० भन्दा बढि मर्चेन्टहरु आवद्ध रहेका छन। थप जानकारीका लागि: १६६०-०१-०२१२१ ईमेल: csd(@)esewa.com.np eSewa is Nepal's first payment gateway with integrated digital wallet. You can register on-the-go and save Rs. 500 - Rs. 2000 in a month. How to register and make payment with eSewa? Registration Download eSewa app and click on Register. Your mobile number will be your eSewa ID. Load fund to eSewa You can load fund to your eSewa account in 4 different ways: 1. Via Mobile/Internet Banking: You can load eSewa wallet from your internet/mobile banking without any additional cost from 47 banks. Visit your bank branch if you have not enabled internet banking and mobile banking. 2. Via Counter Deposit: You can visit nearest branch of below mentioned partner banks for loading fund to your eSewa account via counter deposit: a. Global Bank b. Prabhu Bank c. Mahalaxmi Development Bank d. Janata Bank e. Mega Bank f. OM Development Bank g. Kamana Sewa Bikas Bank 3. Via eSewa Cash Point You can visit nearest eSewa Cash Point and load fund to your eSewa wallet without additional service charge. 4. You can also send and receive fund to your eSewa wallet from other eSewa users for free. Services of eSewa: Mobile recharge and TOPUP Landline Bill Airline and Bus Ticket Electricity and water bill payment Internet Bill Television Subscription Movie Ticket Hotel Booking School Fee Insurance Premium EMI Payment DMAT account opening and renew Credit Card Bill Online Shopping Bank Deposit About eSewa eSewa Fonepay Pvt. Ltd. is the first and leading Payment Service Provider, starting service from 2009 AD. eSewa is a subsidiary company of F1Soft International, leading fin-tech company in Nepal. eSewa has it's wider coverage to all the 77 districts of Nepal. eSewa has a growing network of more than 10 lakhs registered customer, 40,000+ agents (eSewa Zone/Point), 47 banks, 1500+ merchants.

Screenshots

Addiko Mobile Hrvatska4 screens
eSewa4 screens

Verdict

The call

The clearest difference is rating: Addiko Mobile Hrvatska at 4.6 against eSewa's 3.2. Addiko Mobile Hrvatska also leads on review sentiment (33% vs 19%). eSewa's advantage is ratings volume (535 vs 96) and iOS requirement (13 vs 15.6). On price, update cadence, ads and in-app purchases 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

Addiko Mobile Hrvatska holds the better App Store score, 4.6 against 3.2. That said, the two scores are not equally well evidenced: eSewa has 535 ratings behind it against 96, so its average is the more settled of the two. Written reviews point the same way: 33% of Addiko Mobile Hrvatska's written reviews are positive against 19% of eSewa's.

UpkeepUpdate frequency

Addiko Mobile Hrvatska ships an update every 11 days, eSewa every 10 days. The most recent releases landed on November 10, 2026 and November 6, 2026 respectively.

Scorecard4 real differences · 6 level
Addiko Mobile Hrvatska versus eSewa: the parameters behind the verdict, then further details
ParameterAddiko Mobile HrvatskaeSewa
PriceFreeFree
Rating4.6 (96 ratings) — better3.2 (535 ratings)
Positive reviews33.3% of reviews — better18.6% of reviews
Number of ratings96535 — better
Update frequencyEvery 11 daysEvery 10 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.613 — better
Further details — not scored
Size128 MB417 MB
Age rating4+4+
DeveloperAddiko BankESEWA LTD.

Customer experience

Addiko Mobile Hrvatska

All ratings95 ratings
Positive91.6%
Neutral1.1%
Negative7.4%
Written reviews9 reviews
Positive33.3%
Neutral0.0%
Negative66.7%

eSewa

All ratings533 ratings
Positive52.9%
Neutral7.1%
Negative40.0%
Written reviews194 reviews
Positive18.6%
Neutral5.2%
Negative76.3%

Bugs and requests

Addiko Mobile Hrvatska

Not enough reviews yet to summarise bugs or requests.

eSewa

Reported bugs

4 issues
  • Login issues
  • Transaction failures
  • App crashes on certain devices
  • Verification process problems

Requested features

5 requests
  • Offline payment mode
  • Biometric login options
  • Improved user interface
  • Enhanced security measures
  • Better customer support

In-app purchases

None

Addiko Mobile Hrvatska

No in-app purchases

None

eSewa

No in-app purchases

Questions

Is Addiko Mobile Hrvatska free?
Addiko Mobile Hrvatska is free to download, with no in-app purchases.
Is eSewa free?
eSewa is free to download, with no in-app purchases.
Which has better reviews, Addiko Mobile Hrvatska or eSewa?
Addiko Mobile Hrvatska is rated higher. Addiko Mobile Hrvatska averages 4.6 out of 5 from 96 ratings, while eSewa averages 3.2 from 535 ratings.
Do Addiko Mobile Hrvatska or eSewa have ads?
Neither Addiko Mobile Hrvatska nor eSewa shows ads.
Which is updated more often, Addiko Mobile Hrvatska or eSewa?
Addiko Mobile Hrvatska ships an update every 11 days, and eSewa every 10 days. Most recently, Addiko Mobile Hrvatska was updated on November 10, 2026 and eSewa on November 6, 2026.

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