SC Mobile Pakistan vs HBL Microfinance
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
SC Mobile Pakistan
Manage your banking needs on the go with a secure and user-friendly mobile app. Access account statements, transfer funds, pay bills, and manage your cards effortlessly. Open new accounts and locate ATMs or branches with ease.
- Real-time account balances and transaction access
- Secure login with Touch/Face ID
- Instant fund transfers and bill payments
- Credit and debit card management
- New account and product applications
- ATM and branch locator
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About SC Mobile: The new and improved SC mobile app offers a fast, secure, and user-friendly mobile banking experience, designed to take care of its customers banking needs on the go anytime, anywhere ! Indulge in effortless app interface to get customized alerts, quick access to statements, dashboards, cards management, making online bank transfers & much more. Prime features & services: Home with Glance: With just one swipe, get access to all your financial transactions. Transfer funds, pay bills, manage your accounts and cards from the home screen, view account balances in real-time and much more! Fast, Secure & Easy Access: Enhances digital security enables you to login with touch/face ID without the need of PIN or password New modern look and feel with simplified navigation and faster loading times so that banking becomes a quick and easy experience. QR Pay: Make the best of the QR pay for quick & easy payments at merchant Hassel-free Payment: Transfer funds instantly between your SC account or other accounts by selecting Local Transfer & other payment methods; Add beneficiary at ease and transfer funds without registering a beneficiary (RAAST). Manage Cards Easily: Apply for a credit card right from the app, pay credit card bills & even block/hotlist credit or debit card. All Products under one roof: Enjoy the convenience of digital banking at your fingertips, open & apply for Cards, Accounts, Fixed Deposits & term Deposits and other product offerings in the market without any hassle. Effortless & Convenient Bill Payments: Pay utility bills, Credit Card bills, Electricity bills, Insurance bill & Mobile bills & pay for recharge, instantly. Even set up scheduled funds transfer and set standing orders so you don’t miss any payment. Insta Account Opening: Non-SC Bank customers can now Open an account in a few simple steps. Download the app and click on open an account today! And SC Bank customers can apply for product of their choice with their data pre-filled for the convenience of easy application submission. Locate us: Locate nearest Standard Chartered ATM or Branch by just over a click Other Services: Our new services on SC Mobile App allow you to bank on your fingertips without having to visit a branch or calling the client centre. Register for SC Mobile today and enjoy unlimited convenience. Learn more on the new release: ^ Order a Cheque Book & Activate – You can order a cheque book through SC Mobile and receive at your mailing address. You can also activate your cheque book through the app. ^ Stop Cheque – You can instantly stop your cheques , single or multiple, or the entire cheque book through the app. We strive to keep your finances safe and secure. ^ Manage Debit Card – Control your card usage at your convenience. Choose yourself to enable/disable channels or increase/decrease your limits – all in just a few taps. ^ Debit Card issuance – order a new card or replace damaged card on your fingertips ^ Credit Card Block and Replacement – Credit Card lost or stolen? You can now block your Credit Card instantly and get it replaced through the app. ^ Signature Capture – New to bank? Want to update your signature? You can add or update your signature for all your accounts through the app. ^ Pay Order – Request for Pay Order through SC Mobile App, save yourself a trip to branch. ^ Bank Certificates – Request for Account maintenance, Withholding tax, PRC certificates from SC Mobile App & receive at your email address!
HBL Microfinance
Manage your finances with this all-in-one banking and mobile wallet app. Send money, pay bills, recharge your phone, and apply for instant digital loans securely. Open a digital account and wallet for convenient mobile banking.
- Send and receive money instantly
- Pay utility bills digitally
- Recharge mobile load and bundles
- Apply for instant digital loans
- Manage bank account and debit card
- Open digital bank account and wallet
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Best Online Banking & Mobile Wallet App in Pakistan – HBL Microfinance Bank App Experience the future of digital banking in Pakistan with HBL Microfinance Bank App— the best online banking and mobile wallet app in Pakistan that combines Banking + Wallet services in one secure app. Send money, receive funds, pay bills, recharge mobiles, apply for instant digital loans, manage your bank account, and control your debit card all from your smartphone, anytime, anywhere in Pakistan. Open your digital bank account and wallet today and enjoy secure, fast, and convenient mobile banking. All-in-One Banking & Mobile Wallet App in Pakistan HBL Microfinance Bank allows you to manage both your bank account and mobile wallet seamlessly in one app, giving you complete control of your finances through secure digital banking services. Instant Money Transfer & Fund Transfer App Send and receive money instantly across Pakistan: • Transfer money to any bank account in Pakistan • Send money to mobile wallet users • Transfer funds within HBL Microfinance Bank accounts • Secure and instant 24/7 digital transactions One of the fastest and safest online money transfer apps in Pakistan. Mobile Load & Internet Bundle Recharge Recharge your mobile anytime: • Prepaid and postpaid mobile load for all networks • Internet and call bundles for Telenor & Ufone • Instant mobile recharge with secure payment The easiest mobile load and bundle recharge app in Pakistan. Online Utility Bill Payment App Pay all your bills digitally in seconds: • Electricity bill payment • Gas bill payment • Water bill payment • PTCL & internet bill payment • Multiple utility services supported Avoid long queues with one of the most reliable bill payment apps in Pakistan. Instant Nano Loans – Quick Digital Loan in Pakistan Get instant access to emergency funds with HBL Microfinance Bank App Nano Loan: • Apply digitally without paperwork • Get instant loan approval • Receive up to PKR 15,000 directly in your wallet • Flexible repayment options One of the most convenient instant loan apps in Pakistan. FPIN Your secure key to access and authorize transactions on your HBL Microfinance Bank app. Complete Bank Account Management Link and manage your HBL Microfinance Bank account digitally: • Real-time balance checking • Transaction history and account statements • Utility bill payments from bank account • Cheque book requests and tracking • Stop cheque facility • Tax certificate and account maintenance services • Dynamic QR payments • View profits, financing, and loan details
Screenshots
Verdict
The clearest difference is rating: SC Mobile Pakistan at 4.7 against HBL Microfinance's 3.4. SC Mobile Pakistan also leads on ratings volume (3K vs 21) and review sentiment (40% vs 17%). On price, update cadence, ads and in-app purchases 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.
SC Mobile Pakistan holds the better App Store score, 4.7 against 3.4. That said, the two scores are not equally well evidenced: SC Mobile Pakistan has 3K ratings behind it against 21, so its average is the more settled of the two. Written reviews point the same way: 40% of SC Mobile Pakistan's written reviews are positive against 17% of HBL Microfinance's.
SC Mobile Pakistan ships an update every 6 weeks, HBL Microfinance every 2 months. Both last shipped on October 29, 2026.
| Parameter | SC Mobile Pakistan | HBL Microfinance |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (3K ratings) — better | 3.4 (21 ratings) |
| Positive reviews | 40.4% of reviews — better | 16.7% of reviews |
| Number of ratings | 3K — better | 21 |
| Update frequency | Every 6 weeks — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 14.0 — better | 15.6 |
| Further details — not scored | ||
| Size | 184 MB | 206 MB |
| Age rating | 4+ | 4+ |
| Developer | Standard Chartered Bank | FMFB Pakistan |
Customer experience
SC Mobile Pakistan
HBL Microfinance
Bugs and requests
SC Mobile Pakistan
Reported bugs
4 issues- App not working on iPhone 6 Plus and newer devices
- Face ID and Touch ID not functioning properly
- Transactions failing randomly with error codes
- Inability to view payment history
Requested features
5 requests- Add payee by account number or mobile number
- Implement dark mode
- Improve search functionality for payees
- Provide real-time transaction notifications
- Allow deleting of unwanted payees
HBL Microfinance
Not enough reviews yet to summarise bugs or requests.
In-app purchases
SC Mobile Pakistan
No in-app purchases
HBL Microfinance
No in-app purchases
Questions
Is SC Mobile Pakistan free?
Is HBL Microfinance free?
Which has better reviews, SC Mobile Pakistan or HBL Microfinance?
Do SC Mobile Pakistan or HBL Microfinance have ads?
Which is updated more often, SC Mobile Pakistan or HBL Microfinance?
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