# Shangrila Smart vs Karmath Smart Banking

The clearest difference is iOS requirement: Shangrila Smart at 12.4 against Karmath Smart Banking's 15.6. On price, update cadence, 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.

Shangrila Smart ships an update every 2 months, Karmath Smart Banking monthly. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | Shangrila Smart | Karmath Smart Banking |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/shangrila-smart/id921961790/reviews)** | — |
| Number of ratings | **1** | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Monthly** |
| Monetization | Free | — |
| Size | 147 MB | 16 MB |
| Requires iOS | **12.4** | 15.6 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 17+ |
| Developer | [Shangri-la Development Bank](https://appshunter.io/developer/1361537691) | [MICRO BANKER NEPAL](https://appshunter.io/developer/1349199275) |

## What reviewers say

### Shangrila Smart

[App page](https://appshunter.io/ios/app/shangrila-smart/id921961790)

Manage your bank account securely from your mobile device anytime, anywhere. Perform bill payments, fund transfers, and QR code payments with ease. Enjoy convenient banking without visiting a branch.

**Highlights:** Banking on the go, Bill payments, Fund transfers, QR code payments, Account information access, Secure 128-bit SSL encryption

**Features:** Vision Pro support

**In-app purchases:** none


### Karmath Smart Banking

[App page](https://appshunter.io/ios/app/karmath-smart-banking/id1638568614)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Shangrila Smart free?

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

### Is Karmath Smart Banking free?

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

### Do Shangrila Smart or Karmath Smart Banking have ads?

Neither Shangrila Smart nor Karmath Smart Banking shows ads.

### Which is updated more often, Shangrila Smart or Karmath Smart Banking?

Shangrila Smart ships an update every 2 months, and Karmath Smart Banking monthly. Most recently, Shangrila Smart was updated on November 1, 2026 and Karmath Smart Banking on November 3, 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.*