Comparison

HBL TOKEN vs IME Pay

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

HBL TOKEN

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
Read full description

This application is used for generating OTP (One Time Password) for accessing Himalayan Bank online services. HBL Customers can download this app and request for activation code. Once activated this app generates OTP that should be used to log in to the Himalayan Bank online services.

About

IME Pay

This digital wallet simplifies daily life in Nepal by enabling quick, hassle-free online payments for various services. Transfer money, pay bills, and make purchases instantly with a few taps. It offers a secure and convenient way to manage cash transactions digitally.

Highlights
  • Wallet to wallet money transfer
  • Utility bill payments
  • Merchant QR code payments
  • Add money from linked banks
  • Cash pickup and bank deposit options
  • Request money from contacts
  • Airline and movie ticket booking
Features
Read full description

Experience the legacy of IME now on your smartphone. Presenting IME Pay! With the aim to simplify daily life for all Nepalese, IME introduced IME Pay for easy, quick, and hassle-free online digital payments for day-to-day services. Licensed by Nepal Rastra Bank (NRB) and powered by IME Remit, IME Pay is now a leading payment gateway in Nepal. IME Pay is an advanced digital wallet that allows users to transfer money from wallet to wallet, pay utility bills and make purchases online or offline instantly with a few quick taps on their smartphones. It essentially brings all cash transactions to the tips of your fingers, from basic household purchases to high volume business trades. With our wide range of partners and merchants, we are dedicated to ease your everyday life by providing you the most lucrative offers. With Nepal’s largest IME network of 25,000+ touchpoints, we encourage our customers to make smart and safe payments digitally, within the convenience of their smartphones. All your payments are just a tap away with IME Pay! Our Features include: MONEY TRANSFER Add Money You can load money into your IME wallet account from various available mediums: • Linked Bank • E-banking/M-banking • Connect IPS • Nearby Agents IME Pay users can enjoy free banking transactions with linked banks like Global IME Bank, NIC Asia Bank, Siddhartha Bank, Bank of Kathmandu, Kumari Bank, NIBL Bank, and other banks. Send Money Send money feature makes IME Pay users to conveniently send/ transfer money to desired destinations: • IME Pay Wallet transfer • Cash Pickup • Bank Deposit Withdraw Money You can withdraw the desired amount from nearby IME Agents. Scan the QR code located in agent counters and cash out the desired amount. Request Money You can also request the desired amount to your friends and family. Both parties should be IME Pay users. UTILITY BILLS PAYMENT You can make quick and easy payments with a few taps on your smartphone. We offer a wide range of facilities to our valued customers. Our services include: • Mobile Top-up (NTC, Ncell & SmartCell) • Landline (Nepal Telecom) • Electricity (Nepal Electricity Authority NEA) • Water (Khanepani) • TV (DishHome, MeroTV, SkyTV and more) • Internet (Worldlink, Vianet, Subisu, ADSL and more) • EMI (MAW Investment, Jagdamba Credit &Hulas) • Insurance Premium (IME General Insurance, Sagarmatha, NECO & more) MERCHANT PAYMENTS You can make payments for products and services at IME Pay registered merchants including restaurants, cafes, convenience stores, and more. Scan QR codes placed in the payment counter at the merchant location or search for the merchant directly in the app. You can find various discounts and offers available at merchants in the “Deals” section. TICKETING We provide the option to find tickets according to your preferences and buy tickets directly from your smartphone. You can instantly book tickets via IME Pay for the following services: • Airlines • Movie Tickets • Chandragiri Hills Cable Car EVENTS Ticketing and Voting are facilitated by IME Pay where you can instantly purchase tickets to available events. Vote for your favorite contestants in TV shows or any other competitions integrated into the app. No more queue! No more traffic jams! No more penalty! Live a smart life, choose IME Pay today, and pay all your bills anytime from anywhere instantly!

Screenshots

HBL TOKEN2 screens
IME Pay4 screens

Verdict

The call

The clearest difference is rating: HBL TOKEN at 5.0 against IME Pay's 3.8. HBL TOKEN also leads on iOS requirement (5.1.1 vs 13.0). IME Pay's advantage is ratings volume (112 vs 1) and update cadence (every 3 weeks vs every 2 months). On price, ads, in-app purchases and monetization model 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

HBL TOKEN holds the better App Store score, 5.0 against 3.8. That said, the two scores are not equally well evidenced: IME Pay has 112 ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

HBL TOKEN ships an update every 2 months, IME Pay every 3 weeks. The most recent releases landed on October 4, 2026 and October 14, 2026 respectively.

Scorecard4 real differences · 6 level
HBL TOKEN versus IME Pay: the parameters behind the verdict, then further details
ParameterHBL TOKENIME Pay
PriceFreeFree
Rating5.0 (1 ratings) — better3.8 (112 ratings)
Positive reviews—46.4% of reviews
Number of ratings1112 — better
Update frequencyEvery 2 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS5.1.1 — better13.0
Further details — not scored
Size11 MB324 MB
Age rating4+4+
DeveloperHimalayan Bank LimitedIME Khalti Limited

Customer experience

HBL TOKEN

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

IME Pay

All ratings112 ratings
Positive69.6%
Neutral6.3%
Negative24.1%
Written reviews69 reviews
Positive46.4%
Neutral5.8%
Negative47.8%

Bugs and requests

HBL TOKEN

Not enough reviews yet to summarise bugs or requests.

IME Pay

Reported bugs

29 issues
  • App doesn't work
  • KYC team clueless
  • App can't open
  • App doesn't let complete transactions
  • App stuck on loading screen
Show 24 more
  • App crashes frequently
  • App sometimes forces update
  • App not supporting older devices
  • App crashes on payment
  • No login option after registration
  • Registration required every time
  • New device detected message
  • Load fund not working
  • Verification code not sent
  • App crashes frequently on iOS
  • Selfies for verification worthless
  • App slow to process
  • Electricity bill payment issues
  • Bank not available
  • Cannot see own balance
  • Transaction not found issue
  • Poor operator service
  • Fix issues in IOS
  • Server not available during registration
  • Unwanted charges
  • Verification code not received
  • Cannot use mobile data
  • Unsuccessful QR payment rate
  • Spelling mistake on Update Profile

Requested features

28 requests
  • Add service transfer IMEPay to other wallets
  • Add more services and payments
  • Add option for load money via international card
  • Improve minimum top-up amount
  • Add option for NRN users
Show 23 more
  • Add support for international numbers
  • Add more banks to link bank options
  • Add QFX and Bigmovies cinemas
  • Add IME Pay in NIC mobile apps
  • Add Western Union service
  • Increase cash back on TV and WiFi recharge
  • Allow linking debit or credit cards
  • Increase load money limit
  • Reduce load charges by debit cards
  • Support international cards for loading money
  • Improve operator service
  • Fix issues in IOS
  • Add discount on electricity bill recharge
  • Improve registration procedure
  • Add login button for registered users
  • Support for other countries
  • Add balance option
  • Allow registration from Australia
  • Enable use with mobile data
  • Add more banks to link bank options
  • Add other cinemas
  • Add IME Pay in NIC mobile apps
  • Add Western Union service

In-app purchases

None

HBL TOKEN

No in-app purchases

None

IME Pay

No in-app purchases

Questions

Is HBL TOKEN free?
HBL TOKEN is free to download, with no in-app purchases.
Is IME Pay free?
IME Pay is free to download, with no in-app purchases.
Which has better reviews, HBL TOKEN or IME Pay?
HBL TOKEN is rated higher. HBL TOKEN averages 5.0 out of 5 from 1 ratings, while IME Pay averages 3.8 from 112 ratings.
Do HBL TOKEN or IME Pay have ads?
Neither HBL TOKEN nor IME Pay shows ads.
Which is updated more often, HBL TOKEN or IME Pay?
HBL TOKEN ships an update every 2 months, and IME Pay every 3 weeks. Most recently, HBL TOKEN was updated on October 4, 2026 and IME Pay on October 14, 2026.

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