# Excel Smart vs NMC Smart

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.

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.

## The numbers

| Metric | Excel Smart | NMC Smart |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.4 (5 ratings)](https://appshunter.io/ios/app/excel-smart/id921487474/reviews)** | [1.0 (1 ratings)](https://appshunter.io/ios/app/nmc-smart/id1461696175/reviews) |
| Number of ratings | **5** | 1 |
| Positive reviews | 0.0% of reviews | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | Every 4 months |
| Monetization | Free | Free |
| Size | 172 MB | 73 MB |
| Requires iOS | 12.4 | **12.1** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [Excel Development Bank Ltd](https://appshunter.io/developer/1440581410) | [NMC Multipurpose Cooperative Ltd.](https://appshunter.io/developer/1461696174) |

## 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


### NMC Smart

[App page](https://appshunter.io/ios/app/nmc-smart/id1461696175)

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.

**Highlights:** Banking on the go, Bill payments, Top-ups, Fund transfers, QR code payments, Account information access

**In-app purchases:** none


## Frequently asked questions

### Is Excel Smart free?

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

### Is NMC Smart free?

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

### Which has better reviews, Excel Smart or NMC Smart?

Excel Smart is rated higher. Excel Smart averages 3.4 out of 5 from 5 ratings, while NMC Smart averages 1.0 from 1 ratings.

### Do Excel Smart or NMC Smart have ads?

Neither Excel Smart nor NMC Smart shows ads.

### Which is updated more often, Excel Smart or NMC Smart?

Excel Smart ships an update every 4 months, and NMC Smart every 4 months. Most recently, Excel Smart was updated on August 15, 2026 and NMC Smart on June 9, 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.*