Excel Smart vs CIT Smart Mobile App
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.
CIT Smart Mobile App
Access your financial accounts quickly and securely. View balances, statements, and locate branches with navigation. Manage various insurance and investment funds.
- View account balances
- Access mini and full statements
- Locate branches with navigation
- View insurance fund statements
- Manage investment fund statements
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CIT Smart Mobile App is a convenient and safe application offered online. You can access your CIT accounts quickly and securely. With CIT Smart Mobile App, you can access accounts to perform the following services • View your account balances and with mini and full statement. • Locate Branches, with its route navigation. • Account Statement of desired date ranges. • View balance and account statements of contributions, Mutual Funds, Civil servant Insurance fund, Nepal Army Insurance fund, Teacher Insurance fund, NARC Insurance fund, APF Insurance fund, Nepal Police Insurance fund.
Screenshots
Verdict
The clearest difference is rating: CIT Smart Mobile App at 5.0 against Excel Smart's 3.4. Excel Smart's advantage is update cadence (every 4 months vs every 26 months) and ratings volume (5 vs 1). On price, in-app purchases, monetization model and iOS requirement 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.
CIT Smart Mobile App holds the better App Store score, 5.0 against 3.4. 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.
Excel Smart ships an update every 4 months, CIT Smart Mobile App every 26 months. The most recent releases landed on October 9, 2026 and October 5, 2026 respectively.
| Parameter | Excel Smart | CIT Smart Mobile App |
|---|---|---|
| Price | Free | Free |
| Rating | 3.4 (5 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 0.0% of reviews | — |
| Number of ratings | 5 — better | 1 |
| Update frequency | Every 4 months — better | Every 26 months |
| Ads | No | — |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod — better | — |
| Requires iOS | 12.4 | 12.4 |
| Further details — not scored | ||
| Size | 172 MB | 12 MB |
| Age rating | 17+ | 4+ |
| Developer | Excel Development Bank Ltd | Citizen Investment Trust |
In-app purchases
Excel Smart
No in-app purchases
CIT Smart Mobile App
No in-app purchases
Questions
Is Excel Smart free?
Is CIT Smart Mobile App free?
Which has better reviews, Excel Smart or CIT Smart Mobile App?
Which is updated more often, Excel Smart or CIT Smart Mobile App?
Other comparisons
