Citizens Smart vs Khalti Digital Wallet (Nepal)

Citizens Smart is Citizens 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 Citizens Bank. This App will be regularly updated with additional new features. Key Features: 1. Banking On the Go 2. Bill Payments Made Easier 3. Top Up Made Easier 4. Fund Transfers Made Easier 5. QR Code: Scan and Pay 6. Instant Online and Retail Payment with Fonepay Network 7. Accessing your Account Informations Made Easier 8. User Friendly, Safe and Secure 9. And Many More Exciting Features Citizens 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 Citizens Bank, and you need to subscribe to the Citizens Bank's Mobile Banking Service. Banking has never been this simple and easier before. Enjoy Banking Without visiting your branch. Citizens Smart is a Member of Fonepay Network. Smart Banking for Smart People.

Khalti is Nepal’s most trusted digital wallet, now stronger and better through the merger of Khalti and IME Pay. This upgraded app combines IME’s trusted remittance legacy with Khalti’s digital innovation to offer a seamless and powerful experience. More than just a payment app, Khalti stands for innovation, lifestyle, and reliability. It is designed to be inclusive, easy to use, and secure, helping you make everyday moments simpler and more meaningful. Why the Merger? We merged to give you a smarter, faster, and simpler wallet experience. IME Pay users can now access all Khalti features in one app, with a hassle-free migration of wallet balance, points, and transaction history. One login, one wallet, no stress. New Features Daami Points combine rewards from both Khalti and IME Pay into one system, so you earn more for every transaction. The Super Wallet lets you unlock new features and benefits the more you use the app. Plus, enjoy 3% interest on your wallet balance, helping your money grow while it stays safe. Smart Deposit, Nepal’s first wallet-based recurring deposit in partnership with Manjushree Finance where you can save a fixed amount regularly starting from Rs. 100 and earn good interest rates. Start Small, Dream Big! Everything You Can Do Top-Up & Recharge Recharge NTC, Ncell and buy data packs Buy recharge cards & Topup anywhere easily Utility Bill Payments Electricity (NEA, BPC, community providers) Water, landline, cable TV (DishHome, Mero TV, NetTV, SimTV) Internet bills (Worldlink, Subisu, Vianet, Classic Tech & more) Flight Booking Book domestic flights with real-time availability from airlines like Buddha, Yeti, Shree & more Indrive Topup Drivers can do Indrive Topup easily from the App Education Fees Pay school and college fees directly from the app Find your institute in our Smart Schools list Government Services Pay for Lok Sewa, IRD, DOFE, SSF, traffic fines, and more File and renew company registrations (OCR), pay municipal taxes Financial Services Renew DEMAT/MeroShare Pay insurance premiums (Nepal Life, Neco, Sanima, etc.) Pay EMIs (Syakar, Hulas, MAW, Jeevan Bikas) Credit card bill payments Remittance Receive money from abroad via WorldRemit, Remitly Send/receive domestic transfers through City Express, Bhatbhateni, Nepal Remit & more Khalti Bazaar Shop in-app from brands like Cowmandu, The Village Café, Sparrow SMS & others Scan & Pay with Khalti QR Accepted at your local kirana pasal, restaurants, clinics, fashion stores & more Bank Services Transfer to any major bank in Nepal Link your bank account with Khalti Bank Direct Make direct payments from your linked bank Send & Request Money Send funds to friends and family or request money with a few taps Coupons & Rewards Apply Promcodes & Coupons at checkout to get instant cashback Use Daami Points to unlock exciting rewards Smart Deposit Save regularly with Nepal’s first wallet-based recurring deposit Choose your amount (Starting from 100 upto 5000), frequency (daily/weekly/monthly), and term (6–60 months) Earn interest and build your saving habit with ease KYC & Security Upgrade your account with KYC for easy transactions and added security Load Wallet Easily Load via mobile/internet banking, debit/credit card, Khalti Pasal, Sewa Kendra, bank deposits & more Ek Nepal. Ek App. Ek Wallet. Infinite Possibilities Khalti is more than a digital wallet, it’s a movement to make finance easier, more accessible, and more rewarding. Whether you’re recharging your phone or saving for your future, Khalti is built to support you at every step. Need Help or Have Suggestions? We’d love to hear from you. Email: support@khalti.com Website: https://khalti.com Blogs for more info: https://blog.khalti.com