Comparison

Hamro Pay vs Sajilo Bikash Smart App

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

Head to head
About

Hamro Pay

Features
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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 clicksβ€”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!

About

Sajilo Bikash Smart App

Features
Read full description

Sajilo Bikash Smart App is MBANK TECHNOLOGIES PVT LTD official mobile banking app which enables its customers to keep track of their account maintained at Sajilo Bikash Smart App and allows its users to make different utility payments. 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 Sajilo Bikash Smart App. Enables finances at your fingertips, anytime-anywhere. Here you can manage your account and access your Sajilo Bikash Smart App accounts faster and securely via internet. Sajilo Bikash Smart App is a convenient and reliable app that provides you all the facilities in your fingertips. Enjoy hassle-free banking anywhere and anytime without visiting your branch and manage your Account with a fully secure and user-friendly application. Services of Sajilo Bikash Smart App : Make payments of your utilities * Phone bills * Mobile top-up * Receive and send money through remittance services * And many other payments for the services you use Bill Payments * Sajilo Bikash Smart App offers a full throttled package of all bill payments. Real-time payments to all registered ISPs, TVs, Airlines, Insurance, Electricity, Water, Landline. Manage your account * Protect your account with your fingerprint * Track your finances * Track your account history Transfer funds instantly * Transfer and receive funds instantly Highly secure * Secure your account with two factor authentications * Fingerprint/Face ID login helps secure your account Location: * Customers can find our Office location QR Payments: * Scan and Pay feature that allows you to scan and pay to the different merchants. To be able to use this app, you first need to have a valid account maintained at Sajilo Bikash Smart App, and you need to subscribe to the Sajilo Bikash Smart App Banking Service. This app helps you to pay multiple utility payments through the app itself. And many more exciting features (This app is the property of MBANK TECHNOLOGIES PVT LTD) This Application gets regularly updated with new features and new utility payments for the user's convenience which makes it the best app. About Sajilo Bikash Smart App Sajilo Bikash Smart App is leading Payment Service Provider. Sajilo Bikash Smart App is leading fin-tech company in Nepal.

Screenshots

Hamro Pay4 screens
Sajilo Bikash Smart App4 screens

Verdict

The call

Hamro Pay and Sajilo Bikash Smart App are too close to call on the numbers: across 6 compared parameters β€” price, update cadence, ads and in-app purchases among them β€” neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS

CostPrice Β· In-app purchases Β· Ads Β· Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on October 15, 2026 and October 18, 2026 respectively.

ScorecardNo meaningful differences
Hamro Pay versus Sajilo Bikash Smart App: the parameters behind the verdict, then further details
ParameterHamro PaySajilo Bikash Smart App
PriceFreeFree
Update frequencyEvery 2 monthsEvery 2 months
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPad, iPod β€” betteriPhone, iPod
Requires iOS14.0 β€” better15.6
Further details β€” not scored
Size88 MB436 MB
Age rating4+17+
DeveloperHamro PatroMBANK TECHNOLOGIES PVT LTD

In-app purchases

None

Hamro Pay

No in-app purchases

None

Sajilo Bikash Smart App

No in-app purchases

Questions

Is Hamro Pay free?
Hamro Pay is free to download, with no in-app purchases.
Is Sajilo Bikash Smart App free?
Sajilo Bikash Smart App is free to download, with no in-app purchases.
Do Hamro Pay or Sajilo Bikash Smart App have ads?
Neither Hamro Pay nor Sajilo Bikash Smart App shows ads.
Which is updated more often, Hamro Pay or Sajilo Bikash Smart App?
Hamro Pay ships an update every 2 months, and Sajilo Bikash Smart App every 2 months. Most recently, Hamro Pay was updated on October 15, 2026 and Sajilo Bikash Smart App on October 18, 2026.

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