# Kumari Smart vs HI

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.

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 1.5. 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.

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.

## The numbers

| Metric | Kumari Smart | HI |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.9 (51 ratings)](https://appshunter.io/ios/app/kumari-smart/id877156241/reviews)** | [1.5 (87 ratings)](https://appshunter.io/ios/app/hi-mb-plus/id6753976366/reviews) |
| Number of ratings | 51 | **87** |
| Positive reviews | **33.3% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 8 days** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 195 MB | 165 MB |
| Requires iOS | **13.0** | 15.6 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [Kumari Bank Limited](https://appshunter.io/developer/1437739311) | [Himalayan Bank Limited](https://appshunter.io/developer/971712710) |

## 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


### 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 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*