Comparison

NIC ASIA MOBANK vs Citizens Smart

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

Head to head
About

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.

Highlights
  • Banking on the go
  • Fund/Money Transfers
  • Utility/Bill Payments
  • Cardless Withdrawal
  • QR Payment
  • Discounts and Offers
Features
Read full description

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.

About

Citizens Smart

Manage your bank accounts, pay bills, and transfer funds conveniently from your mobile device. This secure app offers features like QR code payments and instant online transactions, making banking accessible anytime, anywhere without visiting a branch.

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

Citizens Smart is Citizens 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 Citizens Bank. This App will be regularly updated with additional new features. Key Features: 1. Banking On the Go 2. Bill Payments Made Easier 3. Top Up Made Easier 4. Fund Transfers Made Easier 5. QR Code: Scan and Pay 6. Instant Online and Retail Payment with Fonepay Network 7. Accessing your Account Informations Made Easier 8. User Friendly, Safe and Secure 9. And Many More Exciting Features Citizens 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 Citizens Bank, and you need to subscribe to the Citizens Bank's Mobile Banking Service. Banking has never been this simple and easier before. Enjoy Banking Without visiting your branch. Citizens Smart is a Member of Fonepay Network. Smart Banking for Smart People.

Screenshots

NIC ASIA MOBANK3 screens
Citizens Smart4 screens

Verdict

The call

The clearest difference is rating: NIC ASIA MOBANK at 4.4 against Citizens Smart's 3.6. NIC ASIA MOBANK also leads on review sentiment (52% vs 10%) and ratings volume (2.3K vs 30). 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

NIC ASIA MOBANK holds the better App Store score, 4.4 against 3.6. That said, the two scores are not equally well evidenced: NIC ASIA MOBANK has 2.3K ratings behind it against 30, so its average is the more settled of the two. Written reviews point the same way: 52% of NIC ASIA MOBANK's written reviews are positive against 10% of Citizens Smart's.

UpkeepUpdate frequency

NIC ASIA MOBANK ships an update every 3 weeks, Citizens Smart fortnightly. The most recent releases landed on September 24, 2026 and September 8, 2026 respectively.

Scorecard3 real differences · 7 level
NIC ASIA MOBANK versus Citizens Smart: the parameters behind the verdict, then further details
ParameterNIC ASIA MOBANKCitizens Smart
PriceFreeFree
Rating4.4 (2.3K ratings) — better3.6 (30 ratings)
Positive reviews52.4% of reviews — better10.0% of reviews
Number of ratings2.3K — better30
Update frequencyEvery 3 weeksFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS12.412.4
Further details — not scored
Size158 MB175 MB
Age rating17+17+
DeveloperNIC ASIA Bank Ltd.Citizens Bank International Ltd.

Customer experience

NIC ASIA MOBANK

All ratings2,274 ratings
Positive84.7%
Neutral5.9%
Negative9.4%
Written reviews185 reviews
Positive52.4%
Neutral3.2%
Negative44.3%

Citizens Smart

All ratings30 ratings
Positive60.0%
Neutral10.0%
Negative30.0%
Written reviews10 reviews
Positive10.0%
Neutral30.0%
Negative60.0%

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

Citizens Smart

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

NIC ASIA MOBANK

No in-app purchases

None

Citizens Smart

No in-app purchases

Questions

Is NIC ASIA MOBANK free?
NIC ASIA MOBANK is free to download, with no in-app purchases.
Is Citizens Smart free?
Citizens Smart is free to download, with no in-app purchases.
Which has better reviews, NIC ASIA MOBANK or Citizens Smart?
NIC ASIA MOBANK is rated higher. NIC ASIA MOBANK averages 4.4 out of 5 from 2.3K ratings, while Citizens Smart averages 3.6 from 30 ratings.
Do NIC ASIA MOBANK or Citizens Smart have ads?
Neither NIC ASIA MOBANK nor Citizens Smart shows ads.
Which is updated more often, NIC ASIA MOBANK or Citizens Smart?
NIC ASIA MOBANK ships an update every 3 weeks, and Citizens Smart fortnightly. Most recently, NIC ASIA MOBANK was updated on September 24, 2026 and Citizens Smart on September 8, 2026.

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