# Excel Smart vs YONO Nepal SBI

The clearest difference is rating: Excel Smart at 3.4 against YONO Nepal SBI's 1.2. YONO Nepal SBI's advantage is update cadence (monthly vs every 4 months) and ratings volume (22 vs 5). On price, review sentiment, 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 1.2. Both are backed by a comparable volume of ratings — 5 and 22 respectively. Written reviews complicate that: 0% of Excel Smart's written reviews are positive against 7% of YONO Nepal SBI'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, YONO Nepal SBI monthly. The most recent releases landed on October 24, 2026 and October 22, 2026 respectively.

## The numbers

| Metric | Excel Smart | YONO Nepal SBI |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.4 (5 ratings)](https://appshunter.io/ios/app/excel-smart/id921487474/reviews)** | [1.2 (22 ratings)](https://appshunter.io/ios/app/yono-nepal-sbi/id1608674399/reviews) |
| Number of ratings | 5 | **22** |
| Positive reviews | 0.0% of reviews | **6.8% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Monthly** |
| Monetization | Free | Free |
| Size | 183 MB | 62 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 17+ | 4+ |
| Developer | [Excel Development Bank Ltd](https://appshunter.io/developer/1440581410) | [State Bank of India](https://appshunter.io/developer/503784436) |

## 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


### YONO Nepal SBI

[App page](https://appshunter.io/ios/app/yono-nepal-sbi/id1608674399)

This mobile banking app offers retail customers a revamped experience with features like e-KYC, online account opening, QR payments, and bill payments. It also provides card management, spend analysis, and chatbot support for convenient banking.

**Highlights:** e-KYC updation, Online Term Deposit account opening, QR Payments, Bill Payments, Card Management, Spend Analysis, Chatbot

**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 YONO Nepal SBI free?

YONO Nepal SBI is free to download, with no in-app purchases.

### Which has better reviews, Excel Smart or YONO Nepal SBI?

Excel Smart is rated higher. Excel Smart averages 3.4 out of 5 from 5 ratings, while YONO Nepal SBI averages 1.2 from 22 ratings.

### Do Excel Smart or YONO Nepal SBI have ads?

Neither Excel Smart nor YONO Nepal SBI shows ads.

### Which is updated more often, Excel Smart or YONO Nepal SBI?

Excel Smart ships an update every 4 months, and YONO Nepal SBI monthly. Most recently, Excel Smart was updated on October 24, 2026 and YONO Nepal SBI on October 22, 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.*