MOCO vs SC Mobile Nepal
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
MOCO
This app allows users to link their debit and credit cards for secure, fund-free transactions. Pay bills, book flights, and make QR code payments easily. Earn rewards on every transaction.
- Link debit and credit cards
- In-app and QR code payments
- Pay utility bills
- Book flights
- Earn reward points
- Unified QR code payments
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MOCO is the digital wallet built for Nepal - fast, secure, and designed for both locals and travelers. Whether you’re booking flights, or exploring Nepal for the first time, MOCO makes payment effortless. Everyday payments, simplified Top-up and pay electricity, internet, drinking water, TV cable, flight tickets, and even traffic fines - all from one app, in just a few taps. Your cards, your way Add your debit or credit card and enjoy flexible digital payments across thousands of merchants nationwide. Built for travelers Visiting Nepal? Add your card, complete a quick KYC with your passport, or Aadhaar, and start paying via QR instantly - no local bank account needed. Security you can trust Every transaction is protected with PIN and bio-metric authentication. MOCO is PCI-DSS certified and licensed by Nepal Rastra Bank - we don’t just promise security, we’re certified for it. Earn while you pay (For domestic users only) Get reward points on transactions above Rs. 100 across selected services. The more you use MOCO, the more you earn.
SC Mobile Nepal
Manage your finances with an intuitive interface and powerful features. This app offers instant fund transfers, bill payments, card management, and profile updates. Easily apply for products and track your requests.
- Instant local bank fund transfers
- Utility bill payments
- Biometric authentication
- Card blocking and replacement
- Profile updates
- Cheque book requests
- Product catalogue for applications
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SC Mobile has been designed with you in mind. It combines an intuitive interface with powerful features, which means you get a simple way to control your finances. SC Mobile 2.0: - Fresh look for an enhanced user experience - Instant other local bank fund transfers - Convenient Utility Bill payments - Biometric authentication method - Self Activation and PIN reset of cards - Instant Block and Replacement of Cards - Profile Update like mobile number, email ID, Nationality, Passport etc - Cheque Book request - Request for Instalment loan for purchase above NPR 5,000 using Credit Card - Status enquiry of your requests - Convenience to apply products straight from Welcome screen through our Product Catalogue And Many More.. Update the application today to discover how banking has been made easier.
Screenshots
Verdict
The clearest difference is review sentiment: MOCO at 64% against SC Mobile Nepal's 11%. MOCO also leads on rating (3.8 vs 1.9). SC Mobile Nepal's advantage is ratings volume (39 vs 12) and iOS requirement (13.0 vs 15.0). On price, update cadence, ads and in-app purchases 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.
MOCO holds the better App Store score, 3.8 against 1.9. Both are backed by a comparable volume of ratings — 12 and 39 respectively. Written reviews point the same way: 64% of MOCO's written reviews are positive against 11% of SC Mobile Nepal's.
MOCO ships an update every 2 months, SC Mobile Nepal every 3 months. The most recent releases landed on October 23, 2026 and October 21, 2026 respectively.
| Parameter | MOCO | SC Mobile Nepal |
|---|---|---|
| Price | Free | Free |
| Rating | 3.8 (12 ratings) — better | 1.9 (39 ratings) |
| Positive reviews | 63.6% of reviews — better | 11.1% of reviews |
| Number of ratings | 12 | 39 — better |
| Update frequency | Every 2 months — better | Every 3 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 62 MB | 59 MB |
| Age rating | 17+ | 4+ |
| Developer | FOCUSONE Payment Solutions | Standard Chartered Bank |
Customer experience
MOCO
SC Mobile Nepal
In-app purchases
MOCO
No in-app purchases
SC Mobile Nepal
No in-app purchases
