# eSewa vs MCOOP

The clearest difference is rating: MCOOP at 5.0 against eSewa's 3.2. eSewa's advantage is ratings volume (521 vs 2) and update cadence (fortnightly vs every 2 months). On price, ads, in-app purchases and monetization model there is nothing between them.

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

MCOOP holds the better App Store score, 5.0 against 3.2. That said, the two scores are not equally well evidenced: eSewa has 521 ratings behind it against 2, so its average is the more settled of the two.

eSewa ships an update fortnightly, MCOOP every 2 months. The most recent releases landed on September 19, 2026 and September 18, 2026 respectively.

## The numbers

| Metric | eSewa | MCOOP |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.2 (521 ratings)](https://appshunter.io/ios/app/esewa/id614370939/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/mcoop/id1457937874/reviews)** |
| Number of ratings | **521** | 2 |
| Positive reviews | 18.9% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 2 months |
| Monetization | Free | Free |
| Size | 416 MB | 114 MB |
| Requires iOS | **13** | 16.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [ESEWA LTD.](https://appshunter.io/developer/1838270512) | [Zinob Inc. Pvt. Ltd.](https://appshunter.io/developer/1457937873) |

## What reviewers say

### eSewa

[App page](https://appshunter.io/ios/app/esewa/id614370939)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 💳 Convenient payment options
- 🤝 Helpful for transactions
- ⚡ Fast and efficient

**What reviewers complain about**

- 🐛 Frequent crashes and bugs
- 🕰️ Slow response times
- 🤖 Poor customer service
- 💳 Unreliable payment processing
- 🔒 Lack of security features

**Reported bugs**

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

**Requested features**

- Offline payment mode
- Biometric login options
- Improved user interface
- Enhanced security measures
- Better customer support


### MCOOP

[App page](https://appshunter.io/ios/app/mcoop/id1457937874)

This app provides mobile banking solutions for cooperative members. It allows users to manage savings, loans, and share statements, as well as make bill payments and mobile top-ups. Customers can create accounts using credentials provided by their registered cooperative.

**Highlights:** Manage savings statements, View loan statements, Access share statements, Account to account transfers, Mobile top-up, Bill payments (landline, internet, TV)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is eSewa free?

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

### Is MCOOP free?

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

### Which has better reviews, eSewa or MCOOP?

MCOOP is rated higher. eSewa averages 3.2 out of 5 from 521 ratings, while MCOOP averages 5.0 from 2 ratings.

### Do eSewa or MCOOP have ads?

Neither eSewa nor MCOOP shows ads.

### Which is updated more often, eSewa or MCOOP?

eSewa ships an update fortnightly, and MCOOP every 2 months. Most recently, eSewa was updated on September 19, 2026 and MCOOP on September 18, 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.*