# NIMB Smart vs IME Pay

The clearest difference is review sentiment: IME Pay at 46% against NIMB Smart's 17%. IME Pay also leads on rating (3.8 vs 3.4). On price, ratings volume, 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 3.4. Both are backed by a comparable volume of ratings — 63 and 112 respectively. Written reviews point the same way: 17% of NIMB Smart's written reviews are positive against 46% of IME Pay's.

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

## The numbers

| Metric | NIMB Smart | IME Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.4 (63 ratings)](https://appshunter.io/ios/app/nimb-smart/id901814671/reviews) | **[3.8 (112 ratings)](https://appshunter.io/ios/app/ime-pay/id1241888344/reviews)** |
| Number of ratings | 63 | **112** |
| Positive reviews | 16.7% of reviews | **46.4% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 173 MB | 324 MB |
| Requires iOS | **12.4** | 13.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 17+ | 4+ |
| Developer | [MEGA BANK NEPAL LIMITED](https://appshunter.io/developer/1453806036) | [IME Khalti Limited](https://appshunter.io/developer/1241888343) |

## What reviewers say

### NIMB Smart

[App page](https://appshunter.io/ios/app/nimb-smart/id901814671)

Manage your bank account securely from your mobile device anytime, anywhere. Perform 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 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 NIMB Smart free?

NIMB 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, NIMB Smart or IME Pay?

IME Pay is rated higher. NIMB Smart averages 3.4 out of 5 from 63 ratings, while IME Pay averages 3.8 from 112 ratings.

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

Neither NIMB Smart nor IME Pay shows ads.

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

NIMB Smart ships an update monthly, and IME Pay every 3 weeks. Most recently, NIMB 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.*