# HBL TOKEN vs SC Mobile Nepal

The clearest difference is rating: HBL TOKEN at 5.0 against SC Mobile Nepal's 1.9. HBL TOKEN also leads on iOS requirement (5.1.1 vs 13.0). SC Mobile Nepal's advantage is ratings volume (39 vs 1). 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.

HBL TOKEN holds the better App Store score, 5.0 against 1.9. That said, the two scores are not equally well evidenced: SC Mobile Nepal has 39 ratings behind it against 1, so its average is the more settled of the two.

HBL TOKEN ships an update every 2 months, SC Mobile Nepal every 3 months. Both last shipped on October 21, 2026.

## The numbers

| Metric | HBL TOKEN | SC Mobile Nepal |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/hbl-token/id971712711/reviews)** | [1.9 (39 ratings)](https://appshunter.io/ios/app/sc-mobile-nepal/id1212199537/reviews) |
| Number of ratings | 1 | **39** |
| Positive reviews | — | 11.1% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 months** | Every 3 months |
| Monetization | Free | Free |
| Size | 11 MB | 59 MB |
| Requires iOS | **5.1.1** | 13.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Himalayan Bank Limited](https://appshunter.io/developer/971712710) | [Standard Chartered Bank](https://appshunter.io/developer/367337301) |

## What reviewers say

### HBL TOKEN

[App page](https://appshunter.io/ios/app/hbl-token/id971712711)

Generate One-Time Passwords (OTPs) for secure access to online banking services. HBL customers can activate this app to receive OTPs for logging into their accounts.

**Highlights:** OTP generation, Online banking access, Himalayan Bank services, Customer activation, Secure login

**Features:** macOS Compatibility

**In-app purchases:** none


### SC Mobile Nepal

[App page](https://appshunter.io/ios/app/sc-mobile-nepal/id1212199537)

Manage your finances with an intuitive interface and powerful features. This app offers instant fund transfers, bill payments, card management, and profile updates. Easily apply for products and track your requests.

**Highlights:** Instant local bank fund transfers, Utility bill payments, Biometric authentication, Card blocking and replacement, Profile updates, Cheque book requests, Product catalogue for applications

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is HBL TOKEN free?

HBL TOKEN is free to download, with no in-app purchases.

### Is SC Mobile Nepal free?

SC Mobile Nepal is free to download, with no in-app purchases.

### Which has better reviews, HBL TOKEN or SC Mobile Nepal?

HBL TOKEN is rated higher. HBL TOKEN averages 5.0 out of 5 from 1 ratings, while SC Mobile Nepal averages 1.9 from 39 ratings.

### Do HBL TOKEN or SC Mobile Nepal have ads?

Neither HBL TOKEN nor SC Mobile Nepal shows ads.

### Which is updated more often, HBL TOKEN or SC Mobile Nepal?

HBL TOKEN ships an update every 2 months, and SC Mobile Nepal every 3 months. Most recently, HBL TOKEN was updated on October 21, 2026 and SC Mobile Nepal on October 21, 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.*