# CIT Smart Mobile App vs HI

The clearest difference is rating: CIT Smart Mobile App at 3.0 against HI's 1.5. CIT Smart Mobile App also leads on monetization model (free vs free with in-app purchases) and iOS requirement (12.4 vs 15.6). HI's advantage is update cadence (every 8 days vs every 26 months) and ratings volume (87 vs 2). On price 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.

CIT Smart Mobile App holds the better App Store score, 3.0 against 1.5. That said, the two scores are not equally well evidenced: HI has 87 ratings behind it against 2, so its average is the more settled of the two.

CIT Smart Mobile App ships an update every 26 months, HI every 8 days. The most recent releases landed on October 22, 2026 and October 28, 2026 respectively.

## The numbers

| Metric | CIT Smart Mobile App | HI |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.0 (2 ratings)](https://appshunter.io/ios/app/cit-smart-mobile-app/id6448749422/reviews)** | [1.5 (87 ratings)](https://appshunter.io/ios/app/hi-mb-plus/id6753976366/reviews) |
| Number of ratings | 2 | **87** |
| Positive reviews | — | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | — | No |
| Update frequency | Every 26 months | **Every 8 days** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 12 MB | 165 MB |
| Requires iOS | **12.4** | 15.6 |
| Devices | — | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Citizen Investment Trust](https://appshunter.io/developer/1686092811) | [Himalayan Bank Limited](https://appshunter.io/developer/971712710) |

## What reviewers say

### CIT Smart Mobile App

[App page](https://appshunter.io/ios/app/cit-smart-mobile-app/id6448749422)

Access your financial accounts quickly and securely. View balances, statements, and locate branches with navigation. Manage various insurance and investment funds.

**Highlights:** View account balances, Access mini and full statements, Locate branches with navigation, View insurance fund statements, Manage investment fund statements

**In-app purchases:** none


### HI

[App page](https://appshunter.io/ios/app/hi-mb-plus/id6753976366)

Manage your bank accounts and perform various financial transactions on the go. This app offers fund transfers, card management, loan and deposit views, QR payments, and access to account statements and branch information.

**Highlights:** Fund transfer (same and other banks), Card management, Loan and fixed deposit view, QR payments (NepalPay, eSewa), Account statement and transfer activities, Balance enquiry, Utility payments

**In-app purchases:** none

**What reviewers complain about**

- 🐛 Crashes and freezes
- 🔌 Connection issues
- 👎 Poor user experience
- 🤯 Frustrating app performance

**Reported bugs**

- Unable to log in with existing credentials
- Captcha validation not working
- Inconsistent app behavior and errors

**Requested features**

- Bring back the old working version
- Improve login and account recovery process
- Enhance overall app stability and reliability


## Frequently asked questions

### Is CIT Smart Mobile App free?

CIT Smart Mobile App is free to download, with no in-app purchases.

### Is HI free?

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

### Which has better reviews, CIT Smart Mobile App or HI?

CIT Smart Mobile App is rated higher. CIT Smart Mobile App averages 3.0 out of 5 from 2 ratings, while HI averages 1.5 from 87 ratings.

### Which is updated more often, CIT Smart Mobile App or HI?

CIT Smart Mobile App ships an update every 26 months, and HI every 8 days. Most recently, CIT Smart Mobile App was updated on October 22, 2026 and HI on October 28, 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.*