# MOCO vs MyPay Nepal

The clearest difference is rating: MOCO at 3.8 against MyPay Nepal's 3.0. MyPay Nepal's advantage is update cadence (every 3 weeks vs every 2 months). On price, ratings volume, 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.

MOCO holds the better App Store score, 3.8 against 3.0. Both are backed by a comparable volume of ratings — 12 and 6 respectively.

MOCO ships an update every 2 months, MyPay Nepal every 3 weeks. The most recent releases landed on November 1, 2026 and November 7, 2026 respectively.

## The numbers

| Metric | MOCO | MyPay Nepal |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.8 (12 ratings)](https://appshunter.io/ios/app/moco-digital-wallet/id834786480/reviews)** | [3.0 (6 ratings)](https://appshunter.io/ios/app/mypay-nepal/id1604521445/reviews) |
| Number of ratings | **12** | 6 |
| Positive reviews | 63.6% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 62 MB | 73 MB |
| Requires iOS | **15.0** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 17+ | 4+ |
| Developer | [FOCUSONE Payment Solutions](https://appshunter.io/developer/1512145334) | [Smart Card Nepal](https://appshunter.io/developer/1587113814) |

## What reviewers say

### MOCO

[App page](https://appshunter.io/ios/app/moco-digital-wallet/id834786480)

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.

**Highlights:** Link debit and credit cards, In-app and QR code payments, Pay utility bills, Book flights, Earn reward points, Unified QR code payments

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

**In-app purchases:** none


### MyPay Nepal

[App page](https://appshunter.io/ios/app/mypay-nepal/id1604521445)

This digital wallet app offers hassle-free financial transactions and aims to improve customer experience in Nepal. It provides a seamless digital experience with a user-friendly interface and potentially high cashback rewards.

**Highlights:** Hassle-free financial transactions, Improved customer experience, Seamless digital experience, User-friendly interface, Cashback rewards, KYC for privileged services

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

**In-app purchases:** none


## Frequently asked questions

### Is MOCO free?

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

### Is MyPay Nepal free?

MyPay Nepal is free to download, with no in-app purchases.

### Which has better reviews, MOCO or MyPay Nepal?

MOCO is rated higher. MOCO averages 3.8 out of 5 from 12 ratings, while MyPay Nepal averages 3.0 from 6 ratings.

### Do MOCO or MyPay Nepal have ads?

Neither MOCO nor MyPay Nepal shows ads.

### Which is updated more often, MOCO or MyPay Nepal?

MOCO ships an update every 2 months, and MyPay Nepal every 3 weeks. Most recently, MOCO was updated on November 1, 2026 and MyPay Nepal on November 7, 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.*