Excel Smart vs NMC Smart
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.
NMC Smart
Manage your bank account conveniently from your mobile device. Perform transactions, pay bills, and transfer funds securely anytime, anywhere. Enjoy easy access to your account information and make payments using QR codes.
- Banking on the go
- Bill payments
- Top-ups
- Fund transfers
- QR code payments
- Account information access
Read full descriptionHide full description
NMC Smart is Nepal Multipurpose Co-operative'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 Nepal Multipurpose Co-operative. 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 NMC 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 Nepal Multipurpose Co-operative, and you need to subscribe to the Nepal Multipurpose Co-operative's Mobile Banking Service. Banking has never been this simple and easier before. Enjoy Banking Without visiting your branch. NMC Smart is a Member of Fonepay Network. Smart Banking for Smart People.
Screenshots
Verdict
The clearest difference is rating: Excel Smart at 3.4 against NMC Smart's 1.0. Excel Smart also leads on ratings volume (5 vs 1). On price, review sentiment, update cadence and ads 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 1.0. That said, the two scores are not equally well evidenced: Excel Smart has 5 ratings behind it against 1, so its average is the more settled of the two. Written reviews split almost evenly too, at 0% and 0% positive.
Both ship on a similar rhythm, roughly every 4 months. The most recent releases landed on August 15, 2026 and June 9, 2026 respectively.
| Parameter | Excel Smart | NMC Smart |
|---|---|---|
| Price | Free | Free |
| Rating | 3.4 (5 ratings) — better | 1.0 (1 ratings) |
| Positive reviews | 0.0% of reviews | 0.0% of reviews |
| Number of ratings | 5 — better | 1 |
| Update frequency | Every 4 months | Every 4 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 12.4 | 12.1 — better |
| Further details — not scored | ||
| Size | 172 MB | 73 MB |
| Age rating | 17+ | 4+ |
| Developer | Excel Development Bank Ltd | NMC Multipurpose Cooperative Ltd. |
Customer experience
Excel Smart
NMC Smart
In-app purchases
Excel Smart
No in-app purchases
NMC Smart
No in-app purchases
