# SC Mobile Pakistan vs HBL Microfinance

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.

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.

## The numbers

| Metric | SC Mobile Pakistan | HBL Microfinance |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (3K ratings)](https://appshunter.io/ios/app/sc-mobile-pakistan/id645859445/reviews)** | [3.4 (21 ratings)](https://appshunter.io/ios/app/hbl-microfinance/id1463030414/reviews) |
| Number of ratings | **3K** | 21 |
| Positive reviews | **40.4% of reviews** | 16.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 6 weeks** | Every 2 months |
| Monetization | Free | Free |
| Size | 184 MB | 206 MB |
| Requires iOS | **14.0** | 15.6 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Standard Chartered Bank](https://appshunter.io/developer/367337301) | [FMFB Pakistan](https://appshunter.io/developer/1364824103) |

## What reviewers say

### SC Mobile Pakistan

[App page](https://appshunter.io/ios/app/sc-mobile-pakistan/id645859445)

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.

**Highlights:** 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

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Efficient local transfers
- 🔒 Secure banking experience
- 👍 User-friendly interface
- 👍 Smooth and stable app
- 👍 Great for overseas clients

**What reviewers complain about**

- 🐛 Frequent login issues
- 🐛 Unreliable transaction processing
- 🐛 Inability to add payees without IBAN
- 🐛 Slow app performance
- 🐛 Crashes and bugs

**Reported bugs**

- 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**

- 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

[App page](https://appshunter.io/ios/app/hbl-microfinance/id1463030414)

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.

**Highlights:** 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

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is SC Mobile Pakistan free?

SC Mobile Pakistan is free to download, with no in-app purchases.

### Is HBL Microfinance free?

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

### Which has better reviews, SC Mobile Pakistan or HBL Microfinance?

SC Mobile Pakistan is rated higher. SC Mobile Pakistan averages 4.7 out of 5 from 3K ratings, while HBL Microfinance averages 3.4 from 21 ratings.

### Do SC Mobile Pakistan or HBL Microfinance have ads?

Neither SC Mobile Pakistan nor HBL Microfinance shows ads.

### Which is updated more often, SC Mobile Pakistan or HBL Microfinance?

SC Mobile Pakistan ships an update every 6 weeks, and HBL Microfinance every 2 months. Most recently, SC Mobile Pakistan was updated on October 29, 2026 and HBL Microfinance on October 29, 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.*