Comparison

Chandani mBank vs PayCircle

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Chandani mBank

Features
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Chandani mBank is MBANK TECHNOLOGIES PVT LTD official mobile banking app which enables its customers to keep track of their account maintained at Chandani mBank and allows its users to make different utility payments. Enjoy easy banking from your hand held devices, from anywhere anytime. Manage and use your Bank Account on the move and around the clock with this secure Mobile Banking App from Chandani mBank. Enables finances at your fingertips, anytime-anywhere. Here you can manage your account and access your Chandani mBank accounts faster and securely via internet. Chandani mBank is a convenient and reliable app that provides you all the facilities in your fingertips. Enjoy hassle-free banking anywhere and anytime without visiting your branch and manage your Account with a fully secure and user-friendly application. Services of Chandani mBank : Make payments of your utilities * Phone bills * Mobile top-up * Receive and send money through remittance services * And many other payments for the services you use Bill Payments * Chandani mBank offers a full throttled package of all bill payments. Real-time payments to all registered ISPs, TVs, Airlines, Insurance, Electricity, Water, Landline. Manage your account * Protect your account with your fingerprint * Track your finances * Track your account history Transfer funds instantly * Transfer and receive funds instantly Highly secure * Secure your account with two factor authentications * Fingerprint/Face ID login helps secure your account Location: * Customers can find our Office location QR Payments: * Scan and Pay feature that allows you to scan and pay to the different merchants. To be able to use this app, you first need to have a valid account maintained at Chandani mBank, and you need to subscribe to the Chandani mBank Banking Service. This app helps you to pay multiple utility payments though the app itself. And many more exciting features (This app is the property of MBANK TECHNOLOGIES PVT LTD) This Application gets regularly updated with new features and new utility payments for the user's convenience which makes it the best app. About Chandani mBank Chandani mBank is leading Payment Service Provider. Chandani mBank is leading fin-tech company in Nepal.

About

PayCircle

Features
Read full description

PayCircle makes it easy to split expenses with friends, roommates, or anyone you share costs with. Create a group, add expenses, and see who owes whom—no spreadsheets, no confusion. How it works Create a group and invite people by link or code. Add expenses as they happen: who paid, how much, and how to split (equal, by percentage, or by shares). PayCircle calculates everyone’s balance and shows who owes whom. When someone pays back, record a settlement and keep the group up to date. Features • Groups – Trips, roommates, dinners, or any shared spending • Expenses – Add who paid, amount, and split type (equal, percentage, or custom shares) • Guests – Include people without an account so they can be in the split • Balances – See “who owes whom” and by-member totals • Settlements – Record when someone pays back to keep balances clear • Multiple currencies – Choose a currency per group Who it’s for PayCircle is for anyone who splits bills: friends on a trip, roommates sharing rent and utilities, colleagues sharing lunch or events, or family sharing costs. No complicated setup—create a group, add expenses, and settle up. Download PayCircle and stop chasing people for money.

Screenshots

Chandani mBank4 screens
PayCircle4 screens

Verdict

The call

Chandani mBank and PayCircle are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

Chandani mBank ships an update every 2 months, PayCircle every 3 months. Both last shipped on October 24, 2026.

ScorecardNo meaningful differences
Chandani mBank versus PayCircle: the parameters behind the verdict, then further details
ParameterChandani mBankPayCircle
PriceFreeFree
Update frequencyEvery 2 months — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.615.1 — better
Further details — not scored
Size437 MB31 MB
Age rating17+4+
DevelopermBank TechnologiesStepan Ohanyan

In-app purchases

None

Chandani mBank

No in-app purchases

None

PayCircle

No in-app purchases

Questions

Is Chandani mBank free?
Chandani mBank is free to download, with no in-app purchases.
Is PayCircle free?
PayCircle is free to download, with no in-app purchases.
Do Chandani mBank or PayCircle have ads?
Neither Chandani mBank nor PayCircle shows ads.
Which is updated more often, Chandani mBank or PayCircle?
Chandani mBank ships an update every 2 months, and PayCircle every 3 months. Most recently, Chandani mBank was updated on October 24, 2026 and PayCircle on October 24, 2026.

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