# HBL TOKEN vs IME Pay

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.

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 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.

HBL TOKEN ships an update every 2 months, IME Pay every 3 weeks. The most recent releases landed on October 21, 2026 and October 14, 2026 respectively.

## The numbers

| Metric | HBL TOKEN | IME Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/hbl-token/id971712711/reviews)** | [3.8 (112 ratings)](https://appshunter.io/ios/app/ime-pay/id1241888344/reviews) |
| Number of ratings | 1 | **112** |
| Positive reviews | — | 46.4% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 11 MB | 324 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) | [IME Khalti Limited](https://appshunter.io/developer/1241888343) |

## 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


### IME Pay

[App page](https://appshunter.io/ios/app/ime-pay/id1241888344)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 👍 Good features
- 👍 Reliable eWallet
- 👍 Good UI
- 👍 Smooth app performance

**What reviewers complain about**

- 😞 Unprofessional customer care
- 😞 App doesn't work
- 😞 Clueless KYC team
- 😞 App can't open
- 😞 Worst app

**Reported bugs**

- App doesn't work
- KYC team clueless
- App can't open
- App doesn't let complete transactions
- App stuck on loading screen

**Requested features**

- 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


## Frequently asked 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 21, 2026 and IME Pay on October 14, 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.*