Kumari Smart vs DigiShine
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Banking on the go
- Bill payments
- Fund transfers
- QR code payments
- Account information access
- Secure transactions
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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.
DigiShine
This mobile banking application allows customers to manage their accounts via SMS. Perform balance inquiries, request mini-statements, transfer funds, buy airtime, and make payments. It's designed for customers of Shine Resunga Development Bank Limited Nepal.
- Check account balances
- Request mini-statements
- Transfer funds
- Buy airtime top-ups
- Make payments
- SMS-based transactions
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This is SMS Based Mobile Banking Application for Customers of Shine Resunga Development Bank Limited Nepal. Application allows their Customers to -Check Balances -Request Mini-Statement -Transfer Funds to different accounts. -Buy Airtime topups -Make Payments and many more services. Please follow the steps below to use the application. 1. Open the app in iphone home screen. 2. Choose the required services from the menu in the app. 3. Fill the required credentials in the provided form and click Send Button. SMS will be sent to shortcode 35758. 5. You will receive the appropriate SMS as a response for your request. Procedures to use the services. 1. Balance Enquiry Description : Make request for the current available balance in bank account. Fields : a. PIN : PIN provided by the bank when registered for mobile banking services. b. A/C Alias : This is optional field. When account number or account alias is entered provided by bank, customer can get the current available balance for the respective entered account. If left empty, customers get current available balance for default account. 3. Fund Transfer Using Account Description : Transfer fund from one account to another. Fields : a. PIN : PIN provided by the bank when registered for mobile banking services. b. Amount : Amount the customer want to transfer. c. From A/C : This is optional field. When empty, amount is transferred from customer's default account. When entered specific account no. or account alias, amount is transferred from that account no or account alias. d. To A/C : Receiver's account no or account alias, to which the amount is transferred.
Screenshots
Verdict
The clearest difference is review sentiment: Kumari Smart at 33% against DigiShine's 0%. Kumari Smart also leads on ratings volume (51 vs 7). DigiShine's advantage is rating (3.1 vs 2.9). On price, update cadence, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
DigiShine holds the better App Store score, 3.1 against 2.9. That said, the two scores are not equally well evidenced: Kumari Smart has 51 ratings behind it against 7, so its average is the more settled of the two. Written reviews complicate that: 33% of Kumari Smart's written reviews are positive against 0% of DigiShine's, so the app with the better star average is not the one people write more warmly about.
Kumari Smart ships an update every 3 weeks, DigiShine every 5 weeks. Both last shipped on October 24, 2026.
| Parameter | Kumari Smart | DigiShine |
|---|---|---|
| Price | Free | Free |
| Rating | 2.9 (51 ratings) | 3.1 (7 ratings) — better |
| Positive reviews | 33.3% of reviews — better | 0.0% of reviews |
| Number of ratings | 51 — better | 7 |
| Update frequency | Every 3 weeks — better | Every 5 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 | 13.0 |
| Further details — not scored | ||
| Size | 195 MB | 184 MB |
| Age rating | 17+ | 17+ |
| Developer | Kumari Bank Limited | Shine Resunga Development Bank |
Customer experience
Kumari Smart
DigiShine
In-app purchases
Kumari Smart
No in-app purchases
DigiShine
No in-app purchases







