MOCO vs CIT Smart Mobile App
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.
CIT Smart Mobile App
Access your financial accounts quickly and securely. View balances, statements, and locate branches with navigation. Manage various insurance and investment funds.
- View account balances
- Access mini and full statements
- Locate branches with navigation
- View insurance fund statements
- Manage investment fund statements
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CIT Smart Mobile App is a convenient and safe application offered online. You can access your CIT accounts quickly and securely. With CIT Smart Mobile App, you can access accounts to perform the following services • View your account balances and with mini and full statement. • Locate Branches, with its route navigation. • Account Statement of desired date ranges. • View balance and account statements of contributions, Mutual Funds, Civil servant Insurance fund, Nepal Army Insurance fund, Teacher Insurance fund, NARC Insurance fund, APF Insurance fund, Nepal Police Insurance fund.
Screenshots
Verdict
The clearest difference is rating: MOCO at 3.8 against CIT Smart Mobile App's 3.0. MOCO also leads on update cadence (every 2 months vs every 26 months) and ratings volume (12 vs 2). CIT Smart Mobile App's advantage is iOS requirement (12.4 vs 15.0). On price, in-app purchases and monetization model 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 3.0. That said, the two scores are not equally well evidenced: MOCO has 12 ratings behind it against 2, so its average is the more settled of the two.
MOCO ships an update every 2 months, CIT Smart Mobile App every 26 months. The most recent releases landed on October 23, 2026 and October 22, 2026 respectively.
| Parameter | MOCO | CIT Smart Mobile App |
|---|---|---|
| Price | Free | Free |
| Rating | 3.8 (12 ratings) — better | 3.0 (2 ratings) |
| Positive reviews | 63.6% of reviews | — |
| Number of ratings | 12 — better | 2 |
| Update frequency | Every 2 months — better | Every 26 months |
| Ads | No | — |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | — |
| Requires iOS | 15.0 | 12.4 — better |
| Further details — not scored | ||
| Size | 62 MB | 12 MB |
| Age rating | 17+ | 4+ |
| Developer | FOCUSONE Payment Solutions | Citizen Investment Trust |
In-app purchases
MOCO
No in-app purchases
CIT Smart Mobile App
No in-app purchases
