# Citizens Smart vs IME Pay

Citizens Smart and IME Pay both sit at 3.6 stars, but that hides the real split: 46% of IME Pay's written reviews are positive against 10% of Citizens Smart's. IME Pay also leads on ratings volume (112 vs 31). On price, rating, update cadence and ads there is nothing between them.

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

IME Pay holds the better App Store score, 3.8 against 3.6. Both are backed by a comparable volume of ratings — 31 and 112 respectively. Written reviews point the same way: 10% of Citizens Smart's written reviews are positive against 46% of IME Pay's.

Citizens Smart ships an update fortnightly, IME Pay every 3 weeks. Both last shipped on October 24, 2026.

## The numbers

| Metric | Citizens Smart | IME Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.6 (31 ratings)](https://appshunter.io/ios/app/citizens-smart/id881860234/reviews) | **[3.8 (112 ratings)](https://appshunter.io/ios/app/ime-pay/id1241888344/reviews)** |
| Number of ratings | 31 | **112** |
| Positive reviews | 10.0% of reviews | **46.4% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 3 weeks |
| Monetization | Free | Free |
| Size | 187 MB | 324 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 17+ | 4+ |
| Developer | [Citizens Bank International Ltd.](https://appshunter.io/developer/1398765830) | [IME Khalti Limited](https://appshunter.io/developer/1241888343) |

## What reviewers say

### Citizens Smart

[App page](https://appshunter.io/ios/app/citizens-smart/id881860234)

Manage your bank accounts, pay bills, and transfer funds conveniently from your mobile device. This secure app offers features like QR code payments and instant online transactions, making banking accessible anytime, anywhere without visiting a branch.

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

**Features:** Vision Pro support

**In-app purchases:** none


### IME Pay

[App page](https://appshunter.io/ios/app/ime-pay/id1241888344)

This digital wallet simplifies daily life in Nepal by enabling quick, hassle-free online payments for various services. Transfer money, pay bills, and make purchases instantly with a few taps. It offers a secure and convenient way to manage cash transactions digitally.

**Highlights:** Wallet to wallet money transfer, Utility bill payments, Merchant QR code payments, Add money from linked banks, Cash pickup and bank deposit options, Request money from contacts, Airline and movie ticket booking

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 👍 Good features
- 👍 Reliable eWallet
- 👍 Good UI
- 👍 Smooth app performance

**What reviewers complain about**

- 😞 Unprofessional customer care
- 😞 App doesn't work
- 😞 Clueless KYC team
- 😞 App can't open
- 😞 Worst app

**Reported bugs**

- App doesn't work
- KYC team clueless
- App can't open
- App doesn't let complete transactions
- App stuck on loading screen

**Requested features**

- Add service transfer IMEPay to other wallets
- Add more services and payments
- Add option for load money via international card
- Improve minimum top-up amount
- Add option for NRN users


## Frequently asked questions

### Is Citizens Smart free?

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

### Is IME Pay free?

IME Pay is free to download, with no in-app purchases.

### Which has better reviews, Citizens Smart or IME Pay?

IME Pay is rated higher. Citizens Smart averages 3.6 out of 5 from 31 ratings, while IME Pay averages 3.8 from 112 ratings.

### Do Citizens Smart or IME Pay have ads?

Neither Citizens Smart nor IME Pay shows ads.

### Which is updated more often, Citizens Smart or IME Pay?

Citizens Smart ships an update fortnightly, and IME Pay every 3 weeks. Most recently, Citizens Smart was updated on October 24, 2026 and IME Pay on October 24, 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.*