Comparison

nBank vs UnelmaPay

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

Head to head
About

nBank

This digital banking platform allows users to manage their finances entirely online. Open accounts, complete KYC, pay bills, deposit funds, and apply for loans without visiting a physical branch. Access various services like remittances, mobile top-ups, and payment options directly from the app.

Highlights
  • Digital account opening
  • Online KYC completion
  • Bill payments
  • Money remittance (nRemit)
  • Cardless ATM withdrawal (Mobile Cash)
  • Loan EMI calculator
  • Exchange rate information
Features
Read full description

Download the nBank app and revolutionize the way you bank digitally. Your bank in your pocket. nBank, an initiative by Nabil Bank. Simply put, nBank is a 100% digital banking platform. Open an account, complete your KYC, pay your bills, deposit your money, and get loans without stepping into a physical Bank branch. Your banking app personalized just for you. Of course, if you’d like to visit a branch, any one of Nabil Bank’s branches will be more than delighted to serve you with a smile. So, what exactly does nBank have? Check out a few of our features: Not just an app, a Superapp Pay your bills, book flight tickets, calculate your EMI. Without logging in. That’s right. You can access a host of services right from the login page. Swipe the bar at the bottom to reveal plenty of things you can do: • nRemit: Send money from any corner of the world to a Nabil Bank Account • Mobile Cash: Withdraw funds from a Nabil Bank ATM without using a card • Get in Touch: Call, Email, Viber, or book an appointment with a Nabil Bank representative • Topup: Topup your mobile or landline on-the-go • Bills: Pay your Electricity, Water, Internet, and TV Bills • Payments: Make government payments, flight bookings, and insurance payments • Interest Rates: Check out Nabil Bank’s latest Interest Rates for Deposit and Loan Products • EMI Calculator: Plan your loan amount and tenure with the help of our EMI Calculator • Exchange Rate: Check out the Bank’s Exchange Rate for the day …and those are just a few things you can do without logging in. Interested? There’s more. Quick Account Opening Open your bank account within seconds. You know how opening a bank account can be a long and tiring process? Not anymore. If you’re a Nepalese citizen, you can open an account with us in under 30 seconds. Fill up your basic details and you’re ready to go! Use your app with a few transactional limitations. And if you want to unlock the full potential of your account, simply complete your KYC – all from the comfort of your home, office, restaurant, you name it. Digital KYC Complete your KYC online. No Branch visits required. Fill up your Know-Your-Customer details in the app, and attend a virtual KYC session to complete your KYC requirements. You will not need to wait in a physical queue anywhere. We promise. Register with International Number If you’re residing abroad, you can register for the nBank app using your international number and operate your Bank account. You will receive SMS Alerts, OTP notifications, and even news & alerts from Nabil Bank. Remittance made simple Besides sending money within Nepal, customers residing abroad can send money from their international banks directly to a Nabil Bank Account using their Mastercard or Visa Cards by selecting nRemit. All you need to do is fill up a form with the sender and receiver details, along with the amount (in USD) to be sent. The receiver will get the money directly into their Nabil Bank account within seconds. Save, Spend, and Borrow You can do it all at the touch of a button. • View your account statement • Report a disputed transaction • Open a Fixed Deposit • Add your Debit/Credit/Prepaid Cards • Apply for a Virtual iCard for your online USD payments • Go cardless with Mobile Cash • Load your mobile wallets • Pay your bills • Scan a QR Code and pay instantly • Redeem your loyalty points at your favorite restaurant, coffee place, or shop • Schedule your payments • Send money to a Bank Account within Nepal • Add your favorite accounts • Get instant digital loan • Get a Loan Against your Fixed Deposit Simple, Quick, Secure Log in to your app with your faceID (for iOS 10 & above) or touchID without the hassle of passwords or PINs. *Disclosure By downloading the nBank App, you consent to the installation of this app and its future updates and upgrades. You can withdraw your consent at any time by deleting the app from your device.

About

UnelmaPay

This digital wallet facilitates secure and convenient online payments. It enables users to transfer funds between wallets, accept payments via major gateways, and manage utility bill payments. It's a comprehensive payment ecosystem for seamless transactions.

Highlights
  • Online payment processing
  • Wallet-to-wallet fund transfers
  • Accept payments via third-party gateways
  • Utility bill payments
  • Top-up services
Features
Read full description

Unelma Pay is a digital wallet that lets you pay, send and receive money — a complete payment ecosystem for everyday payments. WITH UNELMA PAY YOU CAN • Send money abroad — global remittance to supported countries, including Africa and Asia • Send international mobile top-up and recharge to phones worldwide • Send and receive money instantly between Unelma Pay users • Top up mobile balance and buy NTC & Ncell data packages • Pay utility bills — electricity, water, internet, TV, insurance premiums and traffic fines • Book domestic and international flights, hotels and bus tickets • Get a virtual Visa card for online payments worldwide • Buy international gift cards from hundreds of global brands • Load your wallet via local banks and supported payment partners • Track every payment with full history and downloadable PDF receipts Unelma Pay is more than a wallet — it's an entire payment ecosystem. JOIN THE COMMUNITY Facebook: https://www.facebook.com/unelmapay/ PROBLEMS? FEEDBACK? The more you tell us, the better UnelmaPay gets. https://unelmasupport.com

Screenshots

nBank4 screens
UnelmaPay4 screens

Verdict

The call

The clearest difference is rating: nBank at 3.5 against UnelmaPay's 1.0. nBank also leads on review sentiment (31% vs 0%) and ratings volume (253 vs 1). 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

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

nBank holds the better App Store score, 3.5 against 1.0. That said, the two scores are not equally well evidenced: nBank has 253 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 31% of nBank's written reviews are positive against 0% of UnelmaPay's.

UpkeepUpdate frequency

nBank ships an update weekly, UnelmaPay every 6 days. The most recent releases landed on October 24, 2026 and October 29, 2026 respectively.

Scorecard4 real differences · 6 level
nBank versus UnelmaPay: the parameters behind the verdict, then further details
ParameternBankUnelmaPay
PriceFreeFree
Rating3.5 (253 ratings) — better1.0 (1 ratings)
Positive reviews31.4% of reviews — better0.0% of reviews
Number of ratings253 — better1
Update frequencyWeeklyEvery 6 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS13.0 — better15.0
Further details — not scored
Size180 MB36 MB
Age rating17+17+
DeveloperNabil Bank Ltd.Unelma Platforms

Customer experience

nBank

All ratings250 ratings
Positive60.0%
Neutral7.2%
Negative32.8%
Written reviews118 reviews
Positive31.4%
Neutral10.2%
Negative58.5%

UnelmaPay

All ratings1 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Bugs and requests

nBank

Reported bugs

4 issues
  • Unable to activate deactivated cards
  • Issues with adding cards and accessing account information
  • Problems with OTP verification and password reset
  • App not working properly on WiFi connection

Requested features

4 requests
  • Add support for Apple Pay, Samsung Pay, and other mobile wallets
  • Improve transaction history and statement details
  • Provide better support for overseas customers and multiple accounts
  • Enhance app stability and reduce crashes

UnelmaPay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

nBank

No in-app purchases

None

UnelmaPay

No in-app purchases

Questions

Is nBank free?
nBank is free to download, with no in-app purchases.
Is UnelmaPay free?
UnelmaPay is free to download, with no in-app purchases.
Which has better reviews, nBank or UnelmaPay?
nBank is rated higher. nBank averages 3.5 out of 5 from 253 ratings, while UnelmaPay averages 1.0 from 1 ratings.
Do nBank or UnelmaPay have ads?
Neither nBank nor UnelmaPay shows ads.
Which is updated more often, nBank or UnelmaPay?
nBank ships an update weekly, and UnelmaPay every 6 days. Most recently, nBank was updated on October 24, 2026 and UnelmaPay on October 29, 2026.

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