Comparison

MBL M vs Lumbini Smart

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

Head to head
About

MBL M

Manage your bank accounts, make payments, and transfer funds securely from your mobile device. This app offers a convenient way to handle various financial transactions on the go, simplifying your banking experience.

Highlights
  • Banking on the go
  • Bill payments
  • Fund transfers
  • QR code payments
  • Account information access
  • Transaction dispute tracking
Features
Read full description

Embark on a seamless banking journey with MBL M-Smart. MBL M-Smart is the essence of convenience in Machhapuchchhre Bank's Mobile Banking App. Experience the ease of managing your finances anytime, anywhere, directly from your handheld devices. Unlock a world of possibilities with our secure and regularly updated app, introducing exciting features that redefine mobile banking. Key Features: Banking On the Go Bill Payments made easier Open a Fixed Deposit Loan against FD just on few clicks Raise and track your disputed transaction Top Up made seamlessly easier Fund Transfers made swift and secure QR Code: Scan and Pay convenience. Instant Online and Retail Payment Smooth Tap and pay feature Easy access to your Account Information User Friendly, Safe and secure interface. View your account statement And Many More Exciting Features Security Matters: MBL M-Smart safeguards your information with advanced 128-bit SSL encryption, ensuring your peace of mind during every login. Getting Started: To enjoy the benefits of MBL M-Smart, simply maintain a valid account with Machhapuchchhre Bank and subscribe to our Mobile Banking Service. Banking, Simplified: Experience the simplicity of banking without the need to visit a branch. MBL M-Smart, a proud member of the Fonepay Network, brings you smart banking for smart people. Download Now: Your journey to smart and secure banking begins with MBL M-Smart. Join the league of smart individuals embracing innovation in finance!

About

Lumbini Smart

Manage your bank accounts on the go with this mobile banking app. Check balances, request mini-statements, transfer funds, buy airtime, and pay bills directly from your device.

Highlights
  • Check account balances
  • Request mini-statements
  • Transfer funds
  • Buy airtime top-ups
  • Pay bills
Features
Read full description

This is Omni Channel Based Mobile Banking Application for Customers of Lumbini Bikas Bank Ltd. Application allows their Customers to -Check Balances -Request Mini-Statement -Transfer Funds to different accounts. -Buy Airtime topups -Make Payments and many more services. Please follow the steps below to use the application. 1. Open the app (Lumbini Bikas Bank Ltd Mobile Banking) in iphone home screen. 2. Choose the required services from the menu in the app. 3. Fill the required credentials in the provided form and click Send Button. SMS will be send to shortcode 34142. 5. You will receive the appropriate SMS as a response for your request. Procedures to use the services. 1. Balance Enquiry Description : Make request for the current available balance in bank account. Fields : a. PIN : PIN provided by the bank when registered for mobile banking services. b. A/C Alias : This is optional field. When account number or account alias is entered provided by bank, customer can get the current available balance for the respective entered account. If left empty, customers get current available balance for default account. 3. Fund Transfer Using Account Description : Transfer fund from one account to another. Fields : a. PIN : PIN provided by the bank when registered for mobile banking services. b. Amount : Amount the customer want to transfer. c. From A/C : This is optional field. When empty, amount is transfered from customer's default account. When entered specific account no. or account alias, amount is transfered from that account no or account alias. d. To A/C : Receiver's account no or account alias, to which the amount is transfered. 5. NT Landline Bill Payment Description : Pay Landline bill of Nepal Telecom. Fields: a. PIN : PIN provided by the bank when registered for mobile banking services. b. Amount : Amount to pay c. Phone No. : Landline number for which to pay bill.

Screenshots

MBL M4 screens
Lumbini Smart4 screens

Verdict

The call

The clearest difference is rating: MBL M at 3.4 against Lumbini Smart's 3.0. MBL M also leads on ratings volume (47 vs 1) and update cadence (every 2 months vs every 5 months). On price, ads, in-app purchases and monetization model 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

MBL M holds the better App Store score, 3.4 against 3.0. That said, the two scores are not equally well evidenced: MBL M has 47 ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

MBL M ships an update every 2 months, Lumbini Smart every 5 months. The most recent releases landed on October 24, 2026 and October 15, 2026 respectively.

Scorecard3 real differences · 7 level
MBL M versus Lumbini Smart: the parameters behind the verdict, then further details
ParameterMBL MLumbini Smart
PriceFreeFree
Rating3.4 (47 ratings) — better3.0 (1 ratings)
Positive reviews12.5% of reviews—
Number of ratings47 — better1
Update frequencyEvery 2 months — betterEvery 5 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.012.4 — better
Further details — not scored
Size186 MB169 MB
Age rating17+12+
DeveloperMachhapuchchhre Bank LtdLumbini Bikas Bank Ltd.

Customer experience

MBL M

All ratings47 ratings
Positive53.2%
Neutral6.4%
Negative40.4%
Written reviews8 reviews
Positive12.5%
Neutral0.0%
Negative87.5%

Lumbini Smart

All ratings1 ratings
Positive0.0%
Neutral100.0%
Negative0.0%

In-app purchases

None

MBL M

No in-app purchases

None

Lumbini Smart

No in-app purchases

Questions

Is MBL M free?
MBL M is free to download, with no in-app purchases.
Is Lumbini Smart free?
Lumbini Smart is free to download, with no in-app purchases.
Which has better reviews, MBL M or Lumbini Smart?
MBL M is rated higher. MBL M averages 3.4 out of 5 from 47 ratings, while Lumbini Smart averages 3.0 from 1 ratings.
Do MBL M or Lumbini Smart have ads?
Neither MBL M nor Lumbini Smart shows ads.
Which is updated more often, MBL M or Lumbini Smart?
MBL M ships an update every 2 months, and Lumbini Smart every 5 months. Most recently, MBL M was updated on October 24, 2026 and Lumbini Smart on October 15, 2026.

Other comparisons