# eSewa vs SmartGains

The clearest difference is rating: SmartGains at 4.0 against eSewa's 3.2. eSewa's advantage is ratings volume (533 vs 3) and update cadence (every 10 days 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.

SmartGains holds the better App Store score, 4.0 against 3.2. That said, the two scores are not equally well evidenced: eSewa has 533 ratings behind it against 3, so its average is the more settled of the two.

eSewa ships an update every 10 days, SmartGains every 2 months. The most recent releases landed on October 20, 2026 and October 2, 2026 respectively.

## The numbers

| Metric | eSewa | SmartGains |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.2 (533 ratings)](https://appshunter.io/ios/app/esewa/id614370939/reviews) | **[4.0 (3 ratings)](https://appshunter.io/ios/app/smartgains/id6756178786/reviews)** |
| Number of ratings | **533** | 3 |
| Positive reviews | 18.8% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 10 days** | Every 2 months |
| Monetization | Free | Free |
| Size | 417 MB | 86 MB |
| Requires iOS | **13** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [ESEWA LTD.](https://appshunter.io/developer/1838270512) | [SMARTGAINS VENTURES](https://appshunter.io/developer/1858880785) |

## 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


### SmartGains

[App page](https://appshunter.io/ios/app/smartgains/id6756178786)

Manage your complete financial portfolio, including mutual funds, stocks, bonds, and insurance. Track investments, view historical performance, and generate detailed reports. Invest online and utilize various financial calculators.

**Highlights:** Complete portfolio reporting, Historical performance tracking, Transaction statement generation, Online investment in mutual funds, SIP and STP tracking, Insurance premium reminders, Financial calculators

**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 SmartGains free?

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

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

SmartGains is rated higher. eSewa averages 3.2 out of 5 from 533 ratings, while SmartGains averages 4.0 from 3 ratings.

### Do eSewa or SmartGains have ads?

Neither eSewa nor SmartGains shows ads.

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

eSewa ships an update every 10 days, and SmartGains every 2 months. Most recently, eSewa was updated on October 20, 2026 and SmartGains on October 2, 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.*