Comparison

Citizens Smart vs Affinity Smart mBank

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Citizens Smart

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
Read full description

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.

About

Affinity Smart mBank

Features
Read full description

Affinity Smart mBank is MBANK TECHNOLOGIES PVT LTD official mobile banking app which enables its customers to keep track of their account maintained at Affinity Smart mBank and allows its users to make different utility payments. 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 Affinity Smart mBank. Enables finances at your fingertips, anytime-anywhere. Here you can manage your account and access your Affinity Smart mBank accounts faster and securely via internet. Affinity Smart mBank is a convenient and reliable app that provides you all the facilities in your fingertips. Enjoy hassle-free banking anywhere and anytime without visiting your branch and manage your Account with a fully secure and user-friendly application. Services of Affinity Smart mBank : Make payments of your utilities * Phone bills * Mobile top-up * Receive and send money through remittance services * And many other payments for the services you use Bill Payments * Affinity Smart mBank offers a full throttled package of all bill payments. Real-time payments to all registered ISPs, TVs, Airlines, Insurance, Electricity, Water, Landline. Manage your account * Protect your account with your fingerprint * Track your finances * Track your account history Transfer funds instantly * Transfer and receive funds instantly Highly secure * Secure your account with two factor authentications * Fingerprint/Face ID login helps secure your account Location: * Customers can find our Office location QR Payments: * Scan and Pay feature that allows you to scan and pay to the different merchants. To be able to use this app, you first need to have a valid account maintained at Affinity Smart mBank, and you need to subscribe to the Affinity Smart mBank Banking Service. This app helps you to pay multiple utility payments through the app itself. And many more exciting features (This app is the property of MBANK TECHNOLOGIES PVT LTD) This Application gets regularly updated with new features and new utility payments for the user's convenience which makes it the best app. About Affinity Smart mBank Affinity Smart mBank is leading Payment Service Provider. Affinity Smart mBank is leading fin-tech company in Nepal.

Screenshots

Citizens Smart4 screens
Affinity Smart mBank4 screens

Verdict

The call

The clearest difference is iOS requirement: Citizens Smart at 12.4 against Affinity Smart mBank's 15.7. 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

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

Citizens Smart ships an update every 3 weeks, Affinity Smart mBank monthly. The most recent releases landed on October 10, 2026 and October 18, 2026 respectively.

Scorecard1 real difference · 9 level
Citizens Smart versus Affinity Smart mBank: the parameters behind the verdict, then further details
ParameterCitizens SmartAffinity Smart mBank
PriceFreeFree
Rating3.6 (31 ratings) — better—
Positive reviews10.0% of reviews—
Number of ratings31 — better—
Update frequencyEvery 3 weeks — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPod
Requires iOS12.4 — better15.7
Further details — not scored
Size177 MB436 MB
Age rating17+17+
DeveloperCitizens Bank International Ltd.mBank Technologies

In-app purchases

None

Citizens Smart

No in-app purchases

None

Affinity Smart mBank

No in-app purchases

Questions

Is Citizens Smart free?
Citizens Smart is free to download, with no in-app purchases.
Is Affinity Smart mBank free?
Affinity Smart mBank is free to download, with no in-app purchases.
Do Citizens Smart or Affinity Smart mBank have ads?
Neither Citizens Smart nor Affinity Smart mBank shows ads.
Which is updated more often, Citizens Smart or Affinity Smart mBank?
Citizens Smart ships an update every 3 weeks, and Affinity Smart mBank monthly. Most recently, Citizens Smart was updated on October 10, 2026 and Affinity Smart mBank on October 18, 2026.

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