NIC ASIA MOBANK vs Excel Smart
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.
Excel Smart
Manage your bank account on the go with this secure mobile banking app. Perform bill payments, fund transfers, and instant QR code payments. Enjoy convenient banking anytime, anywhere without visiting a branch.
- Banking on the go
- Bill payments
- Fund transfers
- QR code payments
- Account information access
- Secure SSL encryption
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Excel Smart is Excel Development Bank Ltd'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 Excel Development Bank Ltd. 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 Excel 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 Excel Development Bank Ltd, and you need to subscribe to the Excel Development Bank Ltd's Mobile Banking Service. Banking has never been this simple and easier before. Enjoy Banking Without visiting your branch. Excel Smart is a Member of Fonepay Network. Smart Banking for Smart People.
Screenshots
Verdict
The clearest difference is review sentiment: NIC ASIA MOBANK at 52% against Excel Smart's 0%. NIC ASIA MOBANK also leads on rating (4.4 vs 3.4) and update cadence (every 3 weeks vs every 4 months). On price, ads, in-app purchases and monetization model 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 holds the better App Store score, 4.4 against 3.4. That said, the two scores are not equally well evidenced: NIC ASIA MOBANK has 2.4K ratings behind it against 5, 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 0% of Excel Smart's.
NIC ASIA MOBANK ships an update every 3 weeks, Excel Smart every 4 months. Both last shipped on November 1, 2026.
| Parameter | NIC ASIA MOBANK | Excel Smart |
|---|---|---|
| Price | Free | Free |
| Rating | 4.4 (2.4K ratings) — better | 3.4 (5 ratings) |
| Positive reviews | 52.4% of reviews — better | 0.0% of reviews |
| Number of ratings | 2.4K — better | 5 |
| Update frequency | Every 3 weeks — better | Every 4 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 12.4 — better | 13.0 |
| Further details — not scored | ||
| Size | 158 MB | 183 MB |
| Age rating | 17+ | 17+ |
| Developer | NIC ASIA Bank Ltd. | Excel Development Bank Ltd |
Customer experience
NIC ASIA MOBANK
Excel Smart
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
Excel Smart
Not enough reviews yet to summarise bugs or requests.
In-app purchases
NIC ASIA MOBANK
No in-app purchases
Excel Smart
No in-app purchases
Questions
Is NIC ASIA MOBANK free?
Is Excel Smart free?
Which has better reviews, NIC ASIA MOBANK or Excel Smart?
Do NIC ASIA MOBANK or Excel Smart have ads?
Which is updated more often, NIC ASIA MOBANK or Excel Smart?
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