# Lumbini Smart vs Karmath Smart Banking

The clearest difference is update cadence: Karmath Smart Banking at monthly against Lumbini Smart's every 5 months. Lumbini Smart's advantage is iOS requirement (12.4 vs 15.6). On price, ads, in-app purchases and device support there is nothing between them.

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

Lumbini Smart ships an update every 5 months, Karmath Smart Banking monthly. The most recent releases landed on October 15, 2026 and October 13, 2026 respectively.

## The numbers

| Metric | Lumbini Smart | Karmath Smart Banking |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.0 (1 ratings)](https://appshunter.io/ios/app/lumbini-smart/id736656077/reviews)** | — |
| Number of ratings | **1** | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Monthly** |
| Monetization | Free | — |
| Size | 169 MB | 16 MB |
| Requires iOS | **12.4** | 15.6 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 12+ | 17+ |
| Developer | [Lumbini Bikas Bank Ltd.](https://appshunter.io/developer/1448013836) | [MICRO BANKER NEPAL](https://appshunter.io/developer/1349199275) |

## What reviewers say

### Lumbini Smart

[App page](https://appshunter.io/ios/app/lumbini-smart/id736656077)

Manage your bank accounts on the go with this mobile banking app. Check balances, request mini-statements, transfer funds, buy airtime, and pay bills directly from your device.

**Highlights:** Check account balances, Request mini-statements, Transfer funds, Buy airtime top-ups, Pay bills

**Features:** Vision Pro support

**In-app purchases:** none


### Karmath Smart Banking

[App page](https://appshunter.io/ios/app/karmath-smart-banking/id1638568614)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Lumbini Smart free?

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

### Is Karmath Smart Banking free?

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

### Do Lumbini Smart or Karmath Smart Banking have ads?

Neither Lumbini Smart nor Karmath Smart Banking shows ads.

### Which is updated more often, Lumbini Smart or Karmath Smart Banking?

Lumbini Smart ships an update every 5 months, and Karmath Smart Banking monthly. Most recently, Lumbini Smart was updated on October 15, 2026 and Karmath Smart Banking on October 13, 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.*