NIC ASIA MOBANK vs Groot Pay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
NIC ASIA MOBANK
Manage your bank account digitally and securely from anywhere, anytime. This app offers convenient features like bill payments, fund transfers, and cardless withdrawals, along with exclusive discounts and offers.
- Banking on the go
- Fund/Money Transfers
- Utility/Bill Payments
- Cardless Withdrawal
- QR Payment
- Discounts and Offers
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NIC ASIA's MoBank welcomes you to the world of smart and digital banking. MoBank is NIC ASIA Bank's Official Mobile Banking Application and a Member of Fonepay Network which includes a variety of attractive discounts and offers along with many wondrous features. Banking has never been so simple and easier before. Enjoy hassle-free banking anywhere and anytime without visiting your branch and manage your Bank Account with a fully secure and user-friendly application. Below are the key features of NIC ASIA MoBank: 1. Banking On the Go. 2. IPO apply. 3. Send Remittance. 4. eCommerce Activation. 5. Fixed Deposit. 6. Cardless Withdrawal. 7. Customer Care. 8. Easy Utility/Bill Payments. 9. Convenient Mobile Top Up/Recharge. 10. Fund/Money Transfers Made Easier. 11. QR Payment with QR Code: Scan and Pay. 12. Instant Online and Retail Payment with secured Network. 13. Easy digital banking app. 14. Accessing your Account Information Made Easier. 15. User Friendly, Safe, and Secure using 128-bit SSL encryption. 16. Attractive Discounts at more than 2500+ merchants. 17. Periodical MoBank campaigns with amazing offers. And Many More Exciting Features. How to use this Application? 1. Have a valid account at NIC ASIA Bank. 2. Subscribe to the NIC ASIA Bank's Mobile Banking Service. Go Digital. Smart Banking for Smart People. This Application gets regularly updated with new features for the user's convenience which makes it the best app for online banking. Please share your feedback, query, or any issue associated with MoBank at feedback@nicasiabank.com or call us at our toll-free number- 16600177771 or + 977-01- 5970101.
Groot Pay
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Groot Pay: Your Smart, Secure, and Seamless Digital Wallet Groot Pay, developed by Innovation Next Pvt. Ltd., is not just another digital wallet—-it is your ultimate financial companion, designed to simplify and enhance your everyday financial transactions. Whether you need to load money, pay merchants, transfer funds, or manage your spending, Groot Pay offers a secure, convenient, and intuitive experience. With Groot Pay, you can effortlessly connect your bank account or card to make secure payments to merchants, friends, and family. Whether you are shopping online, paying utility bills, or handling day-to-day expenses, Groot Pay ensures a smooth, hassle-free experience, making digital transactions easier than ever before. Powerful Features for a Smarter Financial Experience Groot Pay is built with cutting-edge technology and robust security features, ensuring you stay in control of your money while keeping your transactions safe. From QR-based payments and instant P2P transfers to AI-powered spending insights, Groot Pay is designed to cater to the financial needs of modern users. Key Features of Groot Pay 1. Easy Registration & Secure Log-In • Quick Sign-Up: Register with just an OTP verification or use your National ID for a seamless onboarding process. • Biometric Security: Secure your account with fingerprint or face recognition for hassle-free logins. 2. Wallet Load & Bank Transfers • Instant Wallet Top-Up: Load money into your wallet directly from your bank account or linked card. • Secure Fund Transfers: Transfer funds to other Groot Pay users or any bank account securely and instantly. 3. QR Payments & P2P Transfers • Scan & Pay: Make quick payments by scanning QR codes at supported merchants. • Send Money Easily: With just a few taps, send money to friends, family, or businesses. 4. Bank Account Linking & KYC Verification • Seamless Banking Integration: Link your bank account for real-time balance checks and smooth transactions. • Enhanced Security with KYC: Complete your KYC verification to unlock higher transaction limits and enhanced security features. 5. Transaction History & Digital Receipts • Track Your Spending: Access detailed transaction history anytime to keep a record of your payments. • Download Receipts: Get downloadable payment receipts for expense tracking and proof of transaction. 6. Advanced Security & Customization • Set Transaction Limits: Control your spending by setting daily transaction limits. • Biometric Authentication: Enable fingerprint or face recognition for added security. • Shield Time Settings: Customize your security settings to control access to your wallet. • Manage Saved Payments: Keep track of frequent transactions and saved payment details easily. 7. Loyalty Points & Personal Finance Tracker • Earn Rewards: Every transaction earns loyalty points that can be redeemed for exclusive offers and rewards. • Smart Spending Insights: Use the built-in AI-powered personal finance tracker to monitor spending patterns, get smart budgeting suggestions, and make better financial decisions. 8. 24/7 Chat Support & Built-in Search Engine • Instant Assistance: Get quick help whenever you need it with 24/7 live chat support. • Smart Search Functionality: Find transactions, merchants, or customer support articles instantly using the in-app search engine. Why Choose Groot Pay? Secure – Advanced encryption & biometric authentication keep your money safe. Convenient – QR payments, bank transfers, and seamless transactions in one app. Innovative – AI-powered spending insights help manage finances better. User-Friendly – A simple, intuitive interface for everyone. Take Control of Your Money Today! With Groot Pay, managing money is easy. Pay at stores, send money, and track expenses—all in one place. Download Groot Pay today and experience a smarter way to pay!
Screenshots
Verdict
The clearest difference is iOS requirement: NIC ASIA MOBANK at 12.4 against Groot Pay's 16.0. 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
NIC ASIA MOBANK ships an update every 3 weeks, Groot Pay every 6 weeks. The most recent releases landed on November 1, 2026 and October 25, 2026 respectively.
| Parameter | NIC ASIA MOBANK | Groot Pay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.4 (2.4K ratings) — better | — |
| Positive reviews | 52.4% of reviews | — |
| Number of ratings | 2.4K — better | — |
| Update frequency | Every 3 weeks — better | Every 6 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod | iPhone, iPad |
| Requires iOS | 12.4 — better | 16.0 |
| Further details — not scored | ||
| Size | 158 MB | 125 MB |
| Age rating | 17+ | 4+ |
| Developer | NIC ASIA Bank Ltd. | Innovation Next |
Bugs and requests
NIC ASIA MOBANK
Reported bugs
4 issues- QR code scanning not working
- App freezes during login
- Fund transfer feature not functioning
- Incompatibility with certain devices
Requested features
4 requests- Add option to view transaction details
- Improve notification system
- Implement cardless cash withdrawal
- Introduce chat support for customer queries
Groot Pay
Not enough reviews yet to summarise bugs or requests.
In-app purchases
NIC ASIA MOBANK
No in-app purchases
Groot Pay
No in-app purchases
Questions
Is NIC ASIA MOBANK free?
Is Groot Pay free?
Do NIC ASIA MOBANK or Groot Pay have ads?
Which is updated more often, NIC ASIA MOBANK or Groot Pay?
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