# Lumbini Smart vs Excel Smart

The clearest difference is rating: Excel Smart at 3.4 against Lumbini Smart's 3.0. Excel Smart also leads on ratings volume (5 vs 1). On price, update cadence, ads and in-app purchases there is nothing between them.

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

Excel Smart holds the better App Store score, 3.4 against 3.0. That said, the two scores are not equally well evidenced: Excel Smart has 5 ratings behind it against 1, so its average is the more settled of the two.

Lumbini Smart ships an update every 5 months, Excel Smart every 4 months. The most recent releases landed on August 29, 2026 and August 15, 2026 respectively.

## The numbers

| Metric | Lumbini Smart | Excel Smart |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (1 ratings)](https://appshunter.io/ios/app/lumbini-smart/id736656077/reviews) | **[3.4 (5 ratings)](https://appshunter.io/ios/app/excel-smart/id921487474/reviews)** |
| Number of ratings | 1 | **5** |
| Positive reviews | — | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Every 4 months** |
| Monetization | Free | Free |
| Size | 169 MB | 172 MB |
| Requires iOS | 12.4 | 12.4 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 12+ | 17+ |
| Developer | [Lumbini Bikas Bank Ltd.](https://appshunter.io/developer/1448013836) | [Excel Development Bank Ltd](https://appshunter.io/developer/1440581410) |

## 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


### 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 Lumbini Smart free?

Lumbini Smart 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, Lumbini Smart or Excel Smart?

Excel Smart is rated higher. Lumbini Smart averages 3.0 out of 5 from 1 ratings, while Excel Smart averages 3.4 from 5 ratings.

### Do Lumbini Smart or Excel Smart have ads?

Neither Lumbini Smart nor Excel Smart shows ads.

### Which is updated more often, Lumbini Smart or Excel Smart?

Lumbini Smart ships an update every 5 months, and Excel Smart every 4 months. Most recently, Lumbini Smart was updated on August 29, 2026 and Excel Smart on August 15, 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.*