Comparison

nBank vs Kumari Smart

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

Kumari Smart

Manage your bank account securely from your mobile device anytime, anywhere. Perform transactions like bill payments, fund transfers, and QR code payments with ease. Enjoy convenient banking without visiting a branch.

Highlights
  • Banking on the go
  • Bill payments
  • Fund transfers
  • QR code payments
  • Account information access
  • Secure transactions
Features
Read full description

Kumari Smart is Kumari Bank's Official Mobile Banking App. 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 Kumari Bank. This App will be regularly updated with additional new features. Key Features: Banking On the Go Bill Payments Made Easier Top Up Made Easier Fund Transfers Made Easier QR Code: Scan and Pay Instant Online and Retail Payment with Fonepay Network Accessing your Account Informations Made Easier User Friendly, Safe and Secure And Many More Exciting Features Kumari Smart helps protect your information by using 128-bit SSL encryption when you are logged on. To be able to use this App, you first need to have a valid account maintained at Kumari Bank, and you need to subscribe to the Kumari Bank's Mobile Banking Service. Banking has never been this simple and easier before. Enjoy Banking Without visiting your branch. Kumari Smart is a Member of Fonepay Network. Smart Banking for Smart People.

Screenshots

nBank4 screens
Kumari Smart4 screens

Verdict

The call

The clearest difference is rating: nBank at 3.5 against Kumari Smart's 2.8. nBank also leads on ratings volume (250 vs 48). On price, review sentiment, 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 2.8. That said, the two scores are not equally well evidenced: nBank has 250 ratings behind it against 48, so its average is the more settled of the two. Written reviews complicate that: 31% of nBank's written reviews are positive against 33% of Kumari Smart's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

nBank ships an update weekly, Kumari Smart every 2 weeks. The most recent releases landed on September 21, 2026 and August 22, 2026 respectively.

Scorecard2 real differences · 8 level
nBank versus Kumari Smart: the parameters behind the verdict, then further details
ParameternBankKumari Smart
PriceFreeFree
Rating3.5 (250 ratings) — better2.8 (48 ratings)
Positive reviews31.4% of reviews33.3% of reviews — better
Number of ratings250 — better48
Update frequencyWeekly — betterEvery 2 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.012.4 — better
Further details — not scored
Size180 MB181 MB
Age rating17+17+
DeveloperNabil Bank Ltd.Kumari Bank Limited

Customer experience

nBank

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

Kumari Smart

All ratings48 ratings
Positive37.5%
Neutral12.5%
Negative50.0%
Written reviews6 reviews
Positive33.3%
Neutral0.0%
Negative66.7%

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

Kumari Smart

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

nBank

No in-app purchases

None

Kumari Smart

No in-app purchases

Questions

Is nBank free?
nBank is free to download, with no in-app purchases.
Is Kumari Smart free?
Kumari Smart is free to download, with no in-app purchases.
Which has better reviews, nBank or Kumari Smart?
nBank is rated higher. nBank averages 3.5 out of 5 from 250 ratings, while Kumari Smart averages 2.8 from 48 ratings.
Do nBank or Kumari Smart have ads?
Neither nBank nor Kumari Smart shows ads.
Which is updated more often, nBank or Kumari Smart?
nBank ships an update weekly, and Kumari Smart every 2 weeks. Most recently, nBank was updated on September 21, 2026 and Kumari Smart on August 22, 2026.

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