# eSewa vs Kumari Smart

The clearest difference is rating: eSewa at 3.2 against Kumari Smart's 2.8. eSewa also leads on ratings volume (521 vs 48). Kumari Smart's advantage is review sentiment (33% vs 19%). On price, update cadence, ads and in-app purchases there is nothing between them.

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

eSewa holds the better App Store score, 3.2 against 2.8. That said, the two scores are not equally well evidenced: eSewa has 521 ratings behind it against 48, so its average is the more settled of the two. Written reviews complicate that: 19% of eSewa's written reviews are positive against 33% of Kumari Smart's, so the app with the better star average is not the one people write more warmly about.

eSewa ships an update fortnightly, Kumari Smart every 2 weeks. The most recent releases landed on September 19, 2026 and August 22, 2026 respectively.

## The numbers

| Metric | eSewa | Kumari Smart |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.2 (521 ratings)](https://appshunter.io/ios/app/esewa/id614370939/reviews)** | [2.8 (48 ratings)](https://appshunter.io/ios/app/kumari-smart/id877156241/reviews) |
| Number of ratings | **521** | 48 |
| Positive reviews | 18.9% of reviews | **33.3% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Fortnightly | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 416 MB | 181 MB |
| Requires iOS | 13 | **12.4** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [ESEWA LTD.](https://appshunter.io/developer/1838270512) | [Kumari Bank Limited](https://appshunter.io/developer/1437739311) |

## 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


### Kumari Smart

[App page](https://appshunter.io/ios/app/kumari-smart/id877156241)

Manage your bank account securely from your mobile device anytime, anywhere. Perform transactions like bill payments, fund transfers, and QR code payments with ease. Enjoy convenient banking without visiting a branch.

**Highlights:** Banking on the go, Bill payments, Fund transfers, QR code payments, Account information access, Secure transactions

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is eSewa free?

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

### Is Kumari Smart free?

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

### Which has better reviews, eSewa or Kumari Smart?

eSewa is rated higher. eSewa averages 3.2 out of 5 from 521 ratings, while Kumari Smart averages 2.8 from 48 ratings.

### Do eSewa or Kumari Smart have ads?

Neither eSewa nor Kumari Smart shows ads.

### Which is updated more often, eSewa or Kumari Smart?

eSewa ships an update fortnightly, and Kumari Smart every 2 weeks. Most recently, eSewa was updated on September 19, 2026 and Kumari Smart on August 22, 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.*