MOCO vs Shree Araniko Smart 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.
Shree Araniko Smart App
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Shree Araniko Smart App is MBANK TECHNOLOGIES PVT LTD official mobile banking app which enables its customers to keep track of their account maintained at Shree Araniko Smart App and allows its users to make different utility payments. Enjoy easy banking from your hand held devices, from anywhere anytime. Manage and use your Bank Account on the move and around the clock with this secure Mobile Banking App from Shree Araniko Smart App. Enables finances at your fingertips, anytime-anywhere. Here you can manage your account and access your Shree Araniko Smart App accounts faster and securely via internet. Shree Araniko Smart App is a convenient and reliable app that provides you all the facilities in your fingertips. Enjoy hassle-free banking anywhere and anytime without visiting your branch and manage your Account with a fully secure and user-friendly application. Services of Shree Araniko Smart App : Make payments of your utilities * Phone bills * Mobile top-up * Receive and send money through remittance services * And many other payments for the services you use Bill Payments * Shree Araniko Smart App offers a full throttled package of all bill payments. Real-time payments to all registered ISPs, TVs, Airlines, Insurance, Electricity, Water, Landline. Manage your account * Protect your account with your fingerprint * Track your finances * Track your account history Transfer funds instantly * Transfer and receive funds instantly Highly secure * Secure your account with two factor authentications * Fingerprint/Face ID login helps secure your account Location: * Customers can find our Office location QR Payments: * Scan and Pay feature that allows you to scan and pay to the different merchants. To be able to use this app, you first need to have a valid account maintained at Shree Araniko Smart App, and you need to subscribe to the Shree Araniko Smart App Banking Service. This app helps you to pay multiple utility payments through the app itself. And many more exciting features (This app is the property of MBANK TECHNOLOGIES PVT LTD) This Application gets regularly updated with new features and new utility payments for the user's convenience which makes it the best app. About Shree Araniko Smart App Shree Araniko Smart App is leading Payment Service Provider. Shree Araniko Smart App is leading fin-tech company in Nepal.
Screenshots
Verdict
The clearest difference is update cadence: MOCO at every 2 months against Shree Araniko Smart App's every 6 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, Shree Araniko Smart App every 6 months. The most recent releases landed on November 1, 2026 and October 22, 2026 respectively.
| Parameter | MOCO | Shree Araniko Smart App |
|---|---|---|
| Price | Free | Free |
| Rating | 3.8 (12 ratings) — better | — |
| Positive reviews | 63.6% of reviews | — |
| Number of ratings | 12 — better | — |
| Update frequency | Every 2 months — better | Every 6 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.0 — better | 15.7 |
| Further details — not scored | ||
| Size | 62 MB | 435 MB |
| Age rating | 17+ | 4+ |
| Developer | FOCUSONE Payment Solutions | mBank Technologies |
In-app purchases
MOCO
No in-app purchases
Shree Araniko Smart App
No in-app purchases
Questions
Is MOCO free?
Is Shree Araniko Smart App free?
Do MOCO or Shree Araniko Smart App have ads?
Which is updated more often, MOCO or Shree Araniko Smart App?
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