eSewa vs VYCCU Smart Banking
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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.
VYCCU Smart Banking
This mobile application facilitates online payments for utilities like bills and mobile recharges. It also offers mobile banking features for managing savings and credit cooperative services.
- Utility bill payment
- Mobile recharge and top-up
- Mobile banking
- Savings and credit services
- Online payment facilitation
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Vyccu Smart Banking App is an online payment mobile application developed for utility payment such as bill payment, recharge or top up of service providers like Nepal Telecom, Ncell and Dish Home along with mobile banking features. Why use Vyccu : VYCCU Savings and Credit Cooperative Limited is a primary-level single-purpose cooperative organization (working in the field of saving and credit). While adhering to the international credit union principles, it is engaged in collecting savings from its members, providing a definite interest on the savings and providing loans to its members on easy interest rates, thereby working towards social security and transformation.
Screenshots
Verdict
The clearest difference is rating: VYCCU Smart Banking at 4.0 against eSewa's 3.2. eSewa's advantage is ratings volume (534 vs 2) and review sentiment (19% vs 0%). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
VYCCU Smart Banking holds the better App Store score, 4.0 against 3.2. That said, the two scores are not equally well evidenced: eSewa has 534 ratings behind it against 2, so its average is the more settled of the two. Written reviews complicate that: 19% of eSewa's written reviews are positive against 0% of VYCCU Smart Banking's, so the app with the better star average is not the one people write more warmly about.
eSewa ships an update every 10 days, VYCCU Smart Banking fortnightly. The most recent releases landed on October 26, 2026 and October 24, 2026 respectively.
| Parameter | eSewa | VYCCU Smart Banking |
|---|---|---|
| Price | Free | Free |
| Rating | 3.2 (534 ratings) | 4.0 (2 ratings) — better |
| Positive reviews | 18.8% of reviews — better | 0.0% of reviews |
| Number of ratings | 534 — better | 2 |
| Update frequency | Every 10 days — better | Fortnightly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 13 — better | 15.6 |
| Further details — not scored | ||
| Size | 417 MB | 63 MB |
| Age rating | 4+ | 4+ |
| Developer | ESEWA LTD. | VYCCU Savings and Credit Cooperative Limited |
Customer experience
eSewa
VYCCU Smart Banking
Bugs and 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
VYCCU Smart Banking
Not enough reviews yet to summarise bugs or requests.
In-app purchases
eSewa
No in-app purchases
VYCCU Smart Banking
No in-app purchases
Questions
Is eSewa free?
Is VYCCU Smart Banking free?
Which has better reviews, eSewa or VYCCU Smart Banking?
Do eSewa or VYCCU Smart Banking have ads?
Which is updated more often, eSewa or VYCCU Smart Banking?
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