Comparison

nBank vs HI

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

HI

Manage your bank accounts and perform various financial transactions on the go. This app offers fund transfers, card management, loan and deposit views, QR payments, and access to account statements and branch information.

Highlights
  • Fund transfer (same and other banks)
  • Card management
  • Loan and fixed deposit view
  • QR payments (NepalPay, eSewa)
  • Account statement and transfer activities
  • Balance enquiry
  • Utility payments
Read full description

HBL HI-MB Plus is a convenient and reliable banking app that provides you all the banking facilities in your fingertips. The application is applicable to all the customers having their HBL bank accounts with HI-MB Plus Subscriptions. Features provided by our HI-MB service: 1. Same bank and other bank fund transfer. 2. Card Management. 3. Loans View and Fixed deposit view 4. QR payment associated with NepalPay and eSewa. 5. Account Statement and Transfer Activities. 6. Balance Enquiry. 7. Information regarding banking hour 8. Find HBL ATM and HBL Branches 9. Foreign exchange rate 10. ConnectIPS 11. Utility Payment (NEA Payments, Top Ups, etc).

Screenshots

nBank4 screens
HI4 screens

Verdict

The call

The clearest difference is rating: nBank at 3.5 against HI's 1.5. nBank also leads on review sentiment (31% vs 0%) and monetization model (free vs free with in-app purchases). On price, ratings volume, update cadence and ads 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 1.5. Both are backed by a comparable volume of ratings — 253 and 87 respectively. Written reviews point the same way: 31% of nBank's written reviews are positive against 0% of HI's.

UpkeepUpdate frequency

nBank ships an update weekly, HI every 8 days. The most recent releases landed on October 24, 2026 and October 28, 2026 respectively.

Scorecard4 real differences · 6 level
nBank versus HI: the parameters behind the verdict, then further details
ParameternBankHI
PriceFreeFree
Rating3.5 (253 ratings) — better1.5 (87 ratings)
Positive reviews31.4% of reviews — better0.0% of reviews
Number of ratings253 — better87
Update frequencyWeekly — betterEvery 8 days
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.0 — better15.6
Further details — not scored
Size180 MB165 MB
Age rating17+4+
DeveloperNabil Bank Ltd.Himalayan Bank Limited

Customer experience

nBank

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

HI

All ratings87 ratings
Positive12.6%
Neutral2.3%
Negative85.1%
Written reviews66 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

User reviews

nBank

From 253 App Store ratings

What we love

  • 🚀 Fast and easy to operate
  • 👍 User-friendly app with good features
  • 🔒 Reliable and secure banking service
  • 💡 Convenient all-in-one banking solution

Room to improve

  • 🐛 Crashes and performance issues
  • 🔍 Missing or limited information in app
  • 🔒 Inconvenient security measures
  • 🤔 Confusing UI changes with new updates

HI

From 87 App Store ratings

Room to improve

  • 🐛 Crashes and freezes
  • 🔌 Connection issues
  • 👎 Poor user experience
  • 🤯 Frustrating app performance

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

HI

Reported bugs

3 issues
  • Unable to log in with existing credentials
  • Captcha validation not working
  • Inconsistent app behavior and errors

Requested features

3 requests
  • Bring back the old working version
  • Improve login and account recovery process
  • Enhance overall app stability and reliability

In-app purchases

None

nBank

No in-app purchases

None

HI

No in-app purchases

Questions

Is nBank free?
nBank is free to download, with no in-app purchases.
Is HI free?
HI is free to download, with no in-app purchases.
Which has better reviews, nBank or HI?
nBank is rated higher. nBank averages 3.5 out of 5 from 253 ratings, while HI averages 1.5 from 87 ratings.
Do nBank or HI have ads?
Neither nBank nor HI shows ads.
Which is updated more often, nBank or HI?
nBank ships an update weekly, and HI every 8 days. Most recently, nBank was updated on October 24, 2026 and HI on October 28, 2026.

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