# Excel Smart vs Jyoti Mobile Banking

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.

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.

## The numbers

| Metric | Excel Smart | Jyoti Mobile Banking |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.4 (5 ratings)](https://appshunter.io/ios/app/excel-smart/id921487474/reviews)** | [2.3 (8 ratings)](https://appshunter.io/ios/app/jyoti-mobile-banking/id1084692477/reviews) |
| Number of ratings | 5 | **8** |
| Positive reviews | 0.0% of reviews | **50.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Every 6 weeks** |
| Monetization | Free | Free |
| Size | 172 MB | 172 MB |
| Requires iOS | 12.4 | 12.4 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 17+ |
| Developer | [Excel Development Bank Ltd](https://appshunter.io/developer/1440581410) | [Jyoti Bikash Bank Limited](https://appshunter.io/developer/1432359777) |

## What reviewers say

### Excel Smart

[App page](https://appshunter.io/ios/app/excel-smart/id921487474)

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.

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

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

**In-app purchases:** none


### Jyoti Mobile Banking

[App page](https://appshunter.io/ios/app/jyoti-mobile-banking/id1084692477)

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.

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

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Excel Smart free?

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

### Is Jyoti Mobile Banking free?

Jyoti Mobile Banking is free to download, with no in-app purchases.

### Which has better reviews, Excel Smart or Jyoti Mobile Banking?

Excel Smart is rated higher. Excel Smart averages 3.4 out of 5 from 5 ratings, while Jyoti Mobile Banking averages 2.3 from 8 ratings.

### Do Excel Smart or Jyoti Mobile Banking have ads?

Neither Excel Smart nor Jyoti Mobile Banking shows ads.

### Which is updated more often, Excel Smart or Jyoti Mobile Banking?

Excel Smart ships an update every 4 months, and Jyoti Mobile Banking every 6 weeks. Most recently, Excel Smart was updated on October 9, 2026 and Jyoti Mobile Banking on October 11, 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.*