Comparison

Xuno vs Hamro Pay

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

Head to head
About

Xuno

This platform facilitates international money transfers and currency conversion for individuals and businesses. It offers tools to manage transactions, competitive savings rates, and loan options to help users achieve financial goals globally.

Highlights
  • Cross-border payments
  • Currency conversion
  • Transaction management
  • Competitive savings rates
  • Loan exploration
  • Global banking access
Features
Read full description

Xuno is a fintech platform developed by Involute Inc. that empowers individuals and businesses to connect with global banking and payment networks, breaking barriers between emerging and developed economies. Here’s how it works for you: Convert: Transfer money and convert it to your local currency whenever you need. Control: Easily manage your transactions with tools designed for your needs. Capitalize: Save with competitive rates or explore loans to achieve your goals. Start today and discover a simpler, smarter way to send, receive, and manage money worldwide!

About

Hamro Pay

Features
Read full description

Hamro Pay is Nepal's emerging digital wallet and payment platform, designed to make your financial transactions simple, secure, and seamless. Whether you're paying bills, transferring funds, or managing expenses, Hamro Pay is your trusted partner for a smarter, hassle-free financial journey. Why Hamro Pay? Hamro Pay is more than just a payment platform; it's your financial assistant, simplifying your financial life. Enjoy unmatched convenience, top-notch security, and real-time support, while unlocking exclusive offers and rewards. Key Features That Set Us Apart: ● Effortless Payments and Money Transfers Send money instantly to friends, family, or directly to bank accounts with just a few taps. ● Mobile and Data Pack Recharge Stay connected with quick and easy top-ups for your mobile phones and data packs. ● Comprehensive Bill Payments Pay your: ● Electricity bills ● Water bills ● Internet bills ● TV bills ...in just a few clicks—on time, every time. ● Multi-Language Support Use the app in your preferred language, including: ● English ● Nepali ● Nepal Bhasa ● Maithili ● Doteli ● Tharu ● Bill Payment Reminders Never miss a due date with timely bill payment reminders, keeping your finances on track effortlessly. ● Request Money with Ease Need funds? Use the "Ask Money" feature to send requests to loved ones effortlessly. ● Expense Splitting Simplify group expenses with features to split and track costs, making shared payments stress-free. ● Exciting Offers and Cashback Enjoy exclusive deals, rewards, and cashback on your transactions. ● Universal QR Payments Scan and pay seamlessly at stores, markets, and local businesses with wide QR code compatibility. ● Track Spending with Ease Understand and manage your money better with simple spending summaries and insights. ● Event Ticketing Discover and book tickets for shows, events, and activities directly through the app. ● Link Bank Accounts for Direct Payments Securely link your bank accounts and pay directly without any hassle. ● Flight and Bus Ticketing Book flights and bus tickets with ease, right from the app, for your hassle-free travel planning. ● Government Payments Simplify your obligations by paying government-related fees and taxes securely through Hamro Pay. ● Audio Notifications Stay informed with real-time audio alerts for transactions. ● 24/7 Chat Support We're always here for you! Get instant help, anytime you need it. Secure, Simple, and User-Friendly With cutting-edge security features and an intuitive interface, Hamro Pay ensures your transactions are safe, reliable, and effortless. Download Hamro Pay today and experience the future of digital payments in Nepal!

Screenshots

Xuno4 screens
Hamro Pay4 screens

Verdict

The call

The clearest difference is update cadence: Xuno at every 3 weeks against Hamro Pay's every 2 months. Hamro Pay's advantage is iOS requirement (14.0 vs 16.0). On price, ads, in-app purchases and device support 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.

UpkeepUpdate frequency

Xuno ships an update every 3 weeks, Hamro Pay every 2 months. The most recent releases landed on October 30, 2026 and October 28, 2026 respectively.

Scorecard2 real differences · 8 level
Xuno versus Hamro Pay: the parameters behind the verdict, then further details
ParameterXunoHamro Pay
PriceFreeFree
Rating4.2 (14 ratings) — better—
Positive reviews57.1% of reviews—
Number of ratings14 — better—
Update frequencyEvery 3 weeks — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.014.0 — better
Further details — not scored
Size79 MB88 MB
Age rating4+4+
DeveloperInvolute IncHamro Patro

In-app purchases

None

Xuno

No in-app purchases

None

Hamro Pay

No in-app purchases

Questions

Is Xuno free?
Xuno is free to download, with no in-app purchases.
Is Hamro Pay free?
Hamro Pay is free to download, with no in-app purchases.
Do Xuno or Hamro Pay have ads?
Neither Xuno nor Hamro Pay shows ads.
Which is updated more often, Xuno or Hamro Pay?
Xuno ships an update every 3 weeks, and Hamro Pay every 2 months. Most recently, Xuno was updated on October 30, 2026 and Hamro Pay on October 28, 2026.

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