# eSewa vs Citizens Smart

The clearest difference is rating: Citizens Smart at 3.6 against eSewa's 3.2. eSewa's advantage is ratings volume (521 vs 30) and review sentiment (19% vs 10%). 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.

Citizens Smart holds the better App Store score, 3.6 against 3.2. That said, the two scores are not equally well evidenced: eSewa has 521 ratings behind it against 30, so its average is the more settled of the two. Written reviews complicate that: 19% of eSewa's written reviews are positive against 10% of Citizens Smart's, so the app with the better star average is not the one people write more warmly about.

Both ship on a similar rhythm, roughly fortnightly. The most recent releases landed on September 19, 2026 and September 8, 2026 respectively.

## The numbers

| Metric | eSewa | Citizens Smart |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.2 (521 ratings)](https://appshunter.io/ios/app/esewa/id614370939/reviews) | **[3.6 (30 ratings)](https://appshunter.io/ios/app/citizens-smart/id881860234/reviews)** |
| Number of ratings | **521** | 30 |
| Positive reviews | **18.9% of reviews** | 10.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Fortnightly | Fortnightly |
| Monetization | Free | Free |
| Size | 416 MB | 175 MB |
| Requires iOS | 13 | **12.4** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [ESEWA LTD.](https://appshunter.io/developer/1838270512) | [Citizens Bank International Ltd.](https://appshunter.io/developer/1398765830) |

## 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


### Citizens Smart

[App page](https://appshunter.io/ios/app/citizens-smart/id881860234)

Manage your bank accounts, pay bills, and transfer funds conveniently from your mobile device. This secure app offers features like QR code payments and instant online transactions, making banking accessible anytime, anywhere without visiting a branch.

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

**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 Citizens Smart free?

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

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

Citizens Smart is rated higher. eSewa averages 3.2 out of 5 from 521 ratings, while Citizens Smart averages 3.6 from 30 ratings.

### Do eSewa or Citizens Smart have ads?

Neither eSewa nor Citizens Smart shows ads.

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

eSewa ships an update fortnightly, and Citizens Smart fortnightly. Most recently, eSewa was updated on September 19, 2026 and Citizens Smart on September 8, 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.*