# Excel Smart vs NMC NextGen

The clearest difference is update cadence: NMC NextGen at weekly against Excel Smart's every 4 months. Excel Smart's advantage is iOS requirement (12.4 vs 15.6). On price, ads, in-app purchases and device support 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 ships an update every 4 months, NMC NextGen weekly. The most recent releases landed on October 9, 2026 and October 1, 2026 respectively.

## The numbers

| Metric | Excel Smart | NMC NextGen |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.4 (5 ratings)](https://appshunter.io/ios/app/excel-smart/id921487474/reviews)** | — |
| Number of ratings | **5** | — |
| Positive reviews | 0.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Weekly** |
| Monetization | Free | — |
| Size | 172 MB | 395 MB |
| Requires iOS | **12.4** | 15.6 |
| 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 NextGen

[App page](https://appshunter.io/ios/app/nmc-nextgen/id6789657517)

**Features:** macOS Compatibility, 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 NMC NextGen free?

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

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

Neither Excel Smart nor NMC NextGen shows ads.

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

Excel Smart ships an update every 4 months, and NMC NextGen weekly. Most recently, Excel Smart was updated on October 9, 2026 and NMC NextGen on October 1, 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.*