# MOCO vs HI

The clearest difference is review sentiment: MOCO at 64% against HI's 0%. MOCO also leads on rating (3.8 vs 1.5) and monetization model (free vs free with in-app purchases). HI's advantage is update cadence (weekly vs every 2 months) and ratings volume (84 vs 12). On price, ads, in-app purchases and device support 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 1.5. That said, the two scores are not equally well evidenced: HI has 84 ratings behind it against 12, so its average is the more settled of the two. Written reviews point the same way: 64% of MOCO's written reviews are positive against 0% of HI's.

MOCO ships an update every 2 months, HI weekly. The most recent releases landed on October 2, 2026 and October 15, 2026 respectively.

## The numbers

| Metric | MOCO | HI |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.8 (12 ratings)](https://appshunter.io/ios/app/moco-digital-wallet/id834786480/reviews)** | [1.5 (84 ratings)](https://appshunter.io/ios/app/hi-mb-plus/id6753976366/reviews) |
| Number of ratings | 12 | **84** |
| Positive reviews | **63.6% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Weekly** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 62 MB | 165 MB |
| Requires iOS | **15.0** | 15.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [FOCUSONE Payment Solutions](https://appshunter.io/developer/1512145334) | [Himalayan Bank Limited](https://appshunter.io/developer/971712710) |

## 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


### HI

[App page](https://appshunter.io/ios/app/hi-mb-plus/id6753976366)

Manage your bank accounts and perform various financial transactions on the go. This app offers fund transfers, card management, loan and deposit views, QR payments, and access to account statements and branch information.

**Highlights:** Fund transfer (same and other banks), Card management, Loan and fixed deposit view, QR payments (NepalPay, eSewa), Account statement and transfer activities, Balance enquiry, Utility payments

**In-app purchases:** none

**What reviewers complain about**

- 🐛 Crashes and freezes
- 🔌 Connection issues
- 👎 Poor user experience
- 🤯 Frustrating app performance

**Reported bugs**

- Unable to log in with existing credentials
- Captcha validation not working
- Inconsistent app behavior and errors

**Requested features**

- Bring back the old working version
- Improve login and account recovery process
- Enhance overall app stability and reliability


## Frequently asked questions

### Is MOCO free?

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

### Is HI free?

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

### Which has better reviews, MOCO or HI?

MOCO is rated higher. MOCO averages 3.8 out of 5 from 12 ratings, while HI averages 1.5 from 84 ratings.

### Do MOCO or HI have ads?

Neither MOCO nor HI shows ads.

### Which is updated more often, MOCO or HI?

MOCO ships an update every 2 months, and HI weekly. Most recently, MOCO was updated on October 2, 2026 and HI on October 15, 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.*