Excel Smart vs Jyoti Mobile Banking
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Excel Smart
Manage your bank account on the go with this secure mobile banking app. Perform bill payments, fund transfers, and instant QR code payments. Enjoy convenient banking anytime, anywhere without visiting a branch.
- Banking on the go
- Bill payments
- Fund transfers
- QR code payments
- Account information access
- Secure SSL encryption
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Excel Smart is Excel Development Bank Ltd'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 Excel Development Bank Ltd. 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 Excel 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 Excel Development Bank Ltd, and you need to subscribe to the Excel Development Bank Ltd's Mobile Banking Service. Banking has never been this simple and easier before. Enjoy Banking Without visiting your branch. Excel Smart is a Member of Fonepay Network. Smart Banking for Smart People.
Jyoti Mobile Banking
Manage your bank account on the go with this secure mobile banking app. Perform bill payments, fund transfers, and QR code payments easily. Enjoy convenient banking from your handheld device anytime, anywhere.
- Banking on the go
- Bill payments
- Fund transfers
- QR code payments
- Account information access
- Secure transactions
Read full descriptionHide full description
Jyoti Smart is Jyoti Bikas 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 Jyoti Bikas 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 Jyoti 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 Jyoti Bikas Bank, and you need to subscribe to the Jyoti Bikas Bank's Mobile Banking Service. Banking has never been this simple and easier before. Enjoy Banking Without visiting your branch. Jyoti Smart is a Member of Fonepay Network. Smart Banking for Smart People.
Screenshots
Verdict
The clearest difference is review sentiment: Jyoti Mobile Banking at 50% against Excel Smart's 0%. Jyoti Mobile Banking also leads on update cadence (every 6 weeks vs every 4 months). Excel Smart's advantage is rating (3.4 vs 2.3). On price, ratings volume, 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.
Excel Smart holds the better App Store score, 3.4 against 2.3. Both are backed by a comparable volume of ratings — 5 and 8 respectively. Written reviews complicate that: 0% of Excel Smart's written reviews are positive against 50% of Jyoti Mobile Banking's, so the app with the better star average is not the one people write more warmly about.
Excel Smart ships an update every 4 months, Jyoti Mobile Banking every 6 weeks. The most recent releases landed on October 9, 2026 and October 11, 2026 respectively.
| Parameter | Excel Smart | Jyoti Mobile Banking |
|---|---|---|
| Price | Free | Free |
| Rating | 3.4 (5 ratings) — better | 2.3 (8 ratings) |
| Positive reviews | 0.0% of reviews | 50.0% of reviews — better |
| Number of ratings | 5 | 8 — better |
| Update frequency | Every 4 months | Every 6 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 12.4 | 12.4 |
| Further details — not scored | ||
| Size | 172 MB | 172 MB |
| Age rating | 17+ | 17+ |
| Developer | Excel Development Bank Ltd | Jyoti Bikash Bank Limited |
Customer experience
Excel Smart
Jyoti Mobile Banking
In-app purchases
Excel Smart
No in-app purchases
Jyoti Mobile Banking
No in-app purchases
Questions
Is Excel Smart free?
Is Jyoti Mobile Banking free?
Which has better reviews, Excel Smart or Jyoti Mobile Banking?
Do Excel Smart or Jyoti Mobile Banking have ads?
Which is updated more often, Excel Smart or Jyoti Mobile Banking?
Other comparisons
