Comparison

Kumari Smart vs HI

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

HI

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
Read full description

HBL HI-MB Plus is a convenient and reliable banking app that provides you all the banking facilities in your fingertips. The application is applicable to all the customers having their HBL bank accounts with HI-MB Plus Subscriptions. Features provided by our HI-MB service: 1. Same bank and other bank fund transfer. 2. Card Management. 3. Loans View and Fixed deposit view 4. QR payment associated with NepalPay and eSewa. 5. Account Statement and Transfer Activities. 6. Balance Enquiry. 7. Information regarding banking hour 8. Find HBL ATM and HBL Branches 9. Foreign exchange rate 10. ConnectIPS 11. Utility Payment (NEA Payments, Top Ups, etc).

Screenshots

Kumari Smart4 screens
HI4 screens

Verdict

The call

The clearest difference is rating: Kumari Smart at 2.9 against HI's 1.5. Kumari Smart also leads on review sentiment (33% vs 0%) and monetization model (free vs free with in-app purchases). HI's advantage is update cadence (every 8 days vs every 3 weeks). On price, ratings volume, 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

Kumari Smart holds the better App Store score, 2.9 against 1.5. Both are backed by a comparable volume of ratings — 51 and 87 respectively. Written reviews point the same way: 33% of Kumari Smart's written reviews are positive against 0% of HI's.

UpkeepUpdate frequency

Kumari Smart ships an update every 3 weeks, HI every 8 days. The most recent releases landed on October 24, 2026 and October 28, 2026 respectively.

Scorecard5 real differences · 5 level
Kumari Smart versus HI: the parameters behind the verdict, then further details
ParameterKumari SmartHI
PriceFreeFree
Rating2.9 (51 ratings) — better1.5 (87 ratings)
Positive reviews33.3% of reviews — better0.0% of reviews
Number of ratings5187 — better
Update frequencyEvery 3 weeksEvery 8 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.0 — better15.6
Further details — not scored
Size195 MB165 MB
Age rating17+4+
DeveloperKumari Bank LimitedHimalayan Bank Limited

Customer experience

Kumari Smart

All ratings51 ratings
Positive41.2%
Neutral11.8%
Negative47.1%
Written reviews6 reviews
Positive33.3%
Neutral0.0%
Negative66.7%

HI

All ratings87 ratings
Positive12.6%
Neutral2.3%
Negative85.1%
Written reviews66 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Bugs and requests

Kumari Smart

Not enough reviews yet to summarise bugs or requests.

HI

Reported bugs

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

Requested features

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

In-app purchases

None

Kumari Smart

No in-app purchases

None

HI

No in-app purchases

Questions

Is Kumari Smart free?
Kumari Smart 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, Kumari Smart or HI?
Kumari Smart is rated higher. Kumari Smart averages 2.9 out of 5 from 51 ratings, while HI averages 1.5 from 87 ratings.
Do Kumari Smart or HI have ads?
Neither Kumari Smart nor HI shows ads.
Which is updated more often, Kumari Smart or HI?
Kumari Smart ships an update every 3 weeks, and HI every 8 days. Most recently, Kumari Smart was updated on October 24, 2026 and HI on October 28, 2026.

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