Comparison

Kumari Smart vs eNMB

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Kumari Smart

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
Read full description

Kumari Smart is Kumari Bank's Official Mobile Banking App. 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 Kumari Bank. This App will be regularly updated with additional new features. Key Features: Banking On the Go Bill Payments Made Easier Top Up Made Easier Fund Transfers Made Easier QR Code: Scan and Pay Instant Online and Retail Payment with Fonepay Network Accessing your Account Informations Made Easier User Friendly, Safe and Secure And Many More Exciting Features Kumari Smart helps protect your information by using 128-bit SSL encryption when you are logged on. To be able to use this App, you first need to have a valid account maintained at Kumari Bank, and you need to subscribe to the Kumari Bank's Mobile Banking Service. Banking has never been this simple and easier before. Enjoy Banking Without visiting your branch. Kumari Smart is a Member of Fonepay Network. Smart Banking for Smart People.

About

eNMB

Manage your NMB Bank accounts and perform various banking transactions conveniently from your mobile device. Access self-service options, make transfers, pay bills, and update your account details on the go.

Highlights
  • Self-service account activation
  • PIN reset and change
  • View account balances and details
  • Fund transfers (inter and intra-bank)
  • Bill payments (school, water, electricity)
  • Create Fixed Deposits
  • Download and email statements
Features
Read full description

NMB Bank’s new Mobile Banking App is called eNMB, it provides banking on the go for all existing retail banking customers. If you are not an existing NMB Bank customer, you can open a savings account by visiting your nearest branch and then experience banking through our new application. If you are an existing NMB bank customer, you can download the application follow the simple one-time activation process, and experience the new digital experience. The new application is the first step towards the digital journey started by NMB Bank, the users can experience • Self services: - Self application activation for NMB Bank retail banking customers. - PIN reset. - Navigate to branches. - Navigate to ATM. - Contact support. - Change PIN. - FAQ • Banking on the go services: - View Accounts. - View FD. - View Loans. - Inter Bank Fund Transfer. - Intra Bank Fund Transfer. - Schedule Transfer. - Add Payee - Direct Transfer to Payee. - Create FD. - Email TDS. - Download & Email Statement • Services: - Stop check. - Occupation change. - Update marital status. - Update VAT/PAN. - Update the purpose of A/C. - Update the source of funds for A/C. - Update change in anticipated transactions to A/C. - Update number per year for the A/C. - Update temporary address • Pay Your Bills: - Pay school fees. - Pay water bill. - Pay electricity bill. - Topup Get started: To get started with eNMB, you just need your Customer Information File Number (CIF), In case you do not know your CIF number the application provides the option to fetch this number, you can follow the instructions. The app will take you through a one-time activation process when you download the mobile application and start the activation. eNMB App requires the following permissions: - Location: This is required for locating and navigating to the branches and ATM. - Photos / Media / Files / Camera: This is required to let you access the gallery / click an image to set a profile picture. Please note that your data is safe with NMB Bank. We do not share any information with the third party without your initiation. We never call you asking for your PIN, CIF, or Account numbers, please avoid giving such information to callers on the phone, email, or any other media for the security of your account.

Screenshots

Kumari Smart4 screens
eNMB4 screens

Verdict

The call

The clearest difference is rating: eNMB at 4.4 against Kumari Smart's 2.8. eNMB also leads on ratings volume (1.9K vs 48). Kumari Smart's advantage is update cadence (every 2 weeks vs every 5 weeks). On price, review sentiment, ads and in-app purchases 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

eNMB holds the better App Store score, 4.4 against 2.8. That said, the two scores are not equally well evidenced: eNMB has 1.9K ratings behind it against 48, so its average is the more settled of the two. Written reviews complicate that: 33% of Kumari Smart's written reviews are positive against 32% of eNMB's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Kumari Smart ships an update every 2 weeks, eNMB every 5 weeks. The most recent releases landed on August 22, 2026 and September 23, 2026 respectively.

Scorecard3 real differences · 7 level
Kumari Smart versus eNMB: the parameters behind the verdict, then further details
ParameterKumari SmarteNMB
PriceFreeFree
Rating2.8 (48 ratings)4.4 (1.9K ratings) — better
Positive reviews33.3% of reviews — better32.3% of reviews
Number of ratings481.9K — better
Update frequencyEvery 2 weeks — betterEvery 5 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS12.4 — better13.0
Further details — not scored
Size181 MB106 MB
Age rating17+4+
DeveloperKumari Bank LimitedNMB Bank Ltd.

Customer experience

Kumari Smart

All ratings48 ratings
Positive37.5%
Neutral12.5%
Negative50.0%
Written reviews6 reviews
Positive33.3%
Neutral0.0%
Negative66.7%

eNMB

All ratings1,890 ratings
Positive85.2%
Neutral4.9%
Negative9.8%
Written reviews99 reviews
Positive32.3%
Neutral8.1%
Negative59.6%

In-app purchases

None

Kumari Smart

No in-app purchases

None

eNMB

No in-app purchases

Questions

Is Kumari Smart free?
Kumari Smart is free to download, with no in-app purchases.
Is eNMB free?
eNMB is free to download, with no in-app purchases.
Which has better reviews, Kumari Smart or eNMB?
eNMB is rated higher. Kumari Smart averages 2.8 out of 5 from 48 ratings, while eNMB averages 4.4 from 1.9K ratings.
Do Kumari Smart or eNMB have ads?
Neither Kumari Smart nor eNMB shows ads.
Which is updated more often, Kumari Smart or eNMB?
Kumari Smart ships an update every 2 weeks, and eNMB every 5 weeks. Most recently, Kumari Smart was updated on August 22, 2026 and eNMB on September 23, 2026.

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