# Kumari Smart vs NMC Smart

The clearest difference is rating: Kumari Smart at 2.9 against NMC Smart's 1.0. Kumari Smart also leads on review sentiment (33% vs 0%) and update cadence (every 3 weeks vs every 4 months). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Kumari Smart holds the better App Store score, 2.9 against 1.0. That said, the two scores are not equally well evidenced: Kumari Smart has 51 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 33% of Kumari Smart's written reviews are positive against 0% of NMC Smart's.

Kumari Smart ships an update every 3 weeks, NMC Smart every 4 months. The most recent releases landed on October 24, 2026 and October 22, 2026 respectively.

## The numbers

| Metric | Kumari Smart | NMC Smart |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.9 (51 ratings)](https://appshunter.io/ios/app/kumari-smart/id877156241/reviews)** | [1.0 (1 ratings)](https://appshunter.io/ios/app/nmc-smart/id1461696175/reviews) |
| Number of ratings | **51** | 1 |
| Positive reviews | **33.3% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 4 months |
| Monetization | Free | Free |
| Size | 195 MB | 73 MB |
| Requires iOS | 13.0 | **12.1** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [Kumari Bank Limited](https://appshunter.io/developer/1437739311) | [NMC Multipurpose Cooperative Ltd.](https://appshunter.io/developer/1461696174) |

## What reviewers say

### Kumari Smart

[App page](https://appshunter.io/ios/app/kumari-smart/id877156241)

Manage your bank account securely from your mobile device anytime, anywhere. Perform transactions like bill payments, fund transfers, and QR code payments with ease. Enjoy convenient banking without visiting a branch.

**Highlights:** Banking on the go, Bill payments, Fund transfers, QR code payments, Account information access, Secure transactions

**Features:** Vision Pro support

**In-app purchases:** none


### NMC Smart

[App page](https://appshunter.io/ios/app/nmc-smart/id1461696175)

Manage your bank account conveniently from your mobile device. Perform transactions, pay bills, and transfer funds securely anytime, anywhere. Enjoy easy access to your account information and make payments using QR codes.

**Highlights:** Banking on the go, Bill payments, Top-ups, Fund transfers, QR code payments, Account information access

**In-app purchases:** none


## Frequently asked questions

### Is Kumari Smart free?

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

### Is NMC Smart free?

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

### Which has better reviews, Kumari Smart or NMC Smart?

Kumari Smart is rated higher. Kumari Smart averages 2.9 out of 5 from 51 ratings, while NMC Smart averages 1.0 from 1 ratings.

### Do Kumari Smart or NMC Smart have ads?

Neither Kumari Smart nor NMC Smart shows ads.

### Which is updated more often, Kumari Smart or NMC Smart?

Kumari Smart ships an update every 3 weeks, and NMC Smart every 4 months. Most recently, Kumari Smart was updated on October 24, 2026 and NMC Smart on October 22, 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.*