eSewa vs eNMB
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.
eNMB
Manage your NMB Bank accounts and perform various banking transactions conveniently from your mobile device. Access self-service options, make transfers, pay bills, and update your account details on the go.
- Self-service account activation
- PIN reset and change
- View account balances and details
- Fund transfers (inter and intra-bank)
- Bill payments (school, water, electricity)
- Create Fixed Deposits
- Download and email statements
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NMB Bank’s new Mobile Banking App is called eNMB, it provides banking on the go for all existing retail banking customers. If you are not an existing NMB Bank customer, you can open a savings account by visiting your nearest branch and then experience banking through our new application. If you are an existing NMB bank customer, you can download the application follow the simple one-time activation process, and experience the new digital experience. The new application is the first step towards the digital journey started by NMB Bank, the users can experience • Self services: - Self application activation for NMB Bank retail banking customers. - PIN reset. - Navigate to branches. - Navigate to ATM. - Contact support. - Change PIN. - FAQ • Banking on the go services: - View Accounts. - View FD. - View Loans. - Inter Bank Fund Transfer. - Intra Bank Fund Transfer. - Schedule Transfer. - Add Payee - Direct Transfer to Payee. - Create FD. - Email TDS. - Download & Email Statement • Services: - Stop check. - Occupation change. - Update marital status. - Update VAT/PAN. - Update the purpose of A/C. - Update the source of funds for A/C. - Update change in anticipated transactions to A/C. - Update number per year for the A/C. - Update temporary address • Pay Your Bills: - Pay school fees. - Pay water bill. - Pay electricity bill. - Topup Get started: To get started with eNMB, you just need your Customer Information File Number (CIF), In case you do not know your CIF number the application provides the option to fetch this number, you can follow the instructions. The app will take you through a one-time activation process when you download the mobile application and start the activation. eNMB App requires the following permissions: - Location: This is required for locating and navigating to the branches and ATM. - Photos / Media / Files / Camera: This is required to let you access the gallery / click an image to set a profile picture. Please note that your data is safe with NMB Bank. We do not share any information with the third party without your initiation. We never call you asking for your PIN, CIF, or Account numbers, please avoid giving such information to callers on the phone, email, or any other media for the security of your account.
Screenshots
Verdict
The clearest difference is rating: eNMB at 4.4 against eSewa's 3.2. eNMB also leads on review sentiment (32% vs 19%) and ratings volume (1.9K vs 521). eSewa's advantage is update cadence (fortnightly vs every 5 weeks). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
eNMB holds the better App Store score, 4.4 against 3.2. Both are backed by a comparable volume of ratings — 521 and 1.9K respectively. Written reviews point the same way: 19% of eSewa's written reviews are positive against 32% of eNMB's.
eSewa ships an update fortnightly, eNMB every 5 weeks. The most recent releases landed on September 19, 2026 and September 23, 2026 respectively.
| Parameter | eSewa | eNMB |
|---|---|---|
| Price | Free | Free |
| Rating | 3.2 (521 ratings) | 4.4 (1.9K ratings) — better |
| Positive reviews | 18.9% of reviews | 32.3% of reviews — better |
| Number of ratings | 521 | 1.9K — better |
| Update frequency | Fortnightly — better | Every 5 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 13 | 13.0 |
| Further details — not scored | ||
| Size | 416 MB | 106 MB |
| Age rating | 4+ | 4+ |
| Developer | ESEWA LTD. | NMB Bank Ltd. |
Customer experience
eSewa
eNMB
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
eNMB
Not enough reviews yet to summarise bugs or requests.
In-app purchases
eSewa
No in-app purchases
eNMB
No in-app purchases









