MOCO vs Triphala Smart Banking
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
Read full descriptionHide full description
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.
Triphala Smart Banking
Read full descriptionHide full description
Triphala Smart Banking allows its registered users to access their account in a convenient manner. It is secure and is available 24x7. The user can preview their balance, statements, request cheque book, transfer fund and online payments such as mobile topups and internet payments.
Screenshots
Verdict
The clearest difference is update cadence: Triphala Smart Banking at monthly against MOCO's every 2 months. On price, ads, in-app purchases and device support 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 ships an update every 2 months, Triphala Smart Banking monthly. The most recent releases landed on September 14, 2026 and September 18, 2026 respectively.
| Parameter | MOCO | Triphala Smart Banking |
|---|---|---|
| Price | Free | Free |
| Rating | 3.8 (12 ratings) — better | — |
| Positive reviews | 57.9% of reviews | — |
| Number of ratings | 12 — better | — |
| Update frequency | Every 2 months | Monthly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.0 — better | 15.6 |
| Further details — not scored | ||
| Size | 62 MB | 20 MB |
| Age rating | 17+ | 4+ |
| Developer | FOCUSONE Payment Solutions | MICRO BANKER NEPAL |
In-app purchases
MOCO
No in-app purchases
Triphala Smart Banking
No in-app purchases
