# NIC ASIA MOBANK vs Excel Smart

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.

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.

## The numbers

| Metric | NIC ASIA MOBANK | Excel Smart |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.4 (2.4K ratings)](https://appshunter.io/ios/app/nic-asia-mobank/id670919765/reviews)** | [3.4 (5 ratings)](https://appshunter.io/ios/app/excel-smart/id921487474/reviews) |
| Number of ratings | **2.4K** | 5 |
| Positive reviews | **52.4% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 4 months |
| Monetization | Free | Free |
| Size | 158 MB | 183 MB |
| Requires iOS | **12.4** | 13.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 17+ |
| Developer | [NIC ASIA Bank Ltd.](https://appshunter.io/developer/1446170824) | [Excel Development Bank Ltd](https://appshunter.io/developer/1440581410) |

## What reviewers say

### NIC ASIA MOBANK

[App page](https://appshunter.io/ios/app/nic-asia-mobank/id670919765)

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:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Smooth transactions
- 🔒 Trustworthy
- 💡 Useful for international transfers

**What reviewers complain about**

- 🐛 Frequent crashes
- 🔍 Poor customer service
- ⏱️ Slow app performance
- 🔒 Login issues
- 🤯 Unexpected deductions from account

**Reported bugs**

- QR code scanning not working
- App freezes during login
- Fund transfer feature not functioning
- Incompatibility with certain devices

**Requested features**

- Add option to view transaction details
- Improve notification system
- Implement cardless cash withdrawal
- Introduce chat support for customer queries


### Excel Smart

[App page](https://appshunter.io/ios/app/excel-smart/id921487474)

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.

**Highlights:** Banking on the go, Bill payments, Fund transfers, QR code payments, Account information access, Secure SSL encryption

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is NIC ASIA MOBANK free?

NIC ASIA MOBANK is free to download, with no in-app purchases.

### Is Excel Smart free?

Excel Smart is free to download, with no in-app purchases.

### Which has better reviews, NIC ASIA MOBANK or Excel Smart?

NIC ASIA MOBANK is rated higher. NIC ASIA MOBANK averages 4.4 out of 5 from 2.4K ratings, while Excel Smart averages 3.4 from 5 ratings.

### Do NIC ASIA MOBANK or Excel Smart have ads?

Neither NIC ASIA MOBANK nor Excel Smart shows ads.

### Which is updated more often, NIC ASIA MOBANK or Excel Smart?

NIC ASIA MOBANK ships an update every 3 weeks, and Excel Smart every 4 months. Most recently, NIC ASIA MOBANK was updated on November 1, 2026 and Excel Smart on November 1, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*