HBL TOKEN vs connectIPS
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- OTP generation
- Online banking access
- Himalayan Bank services
- Customer activation
- Secure login
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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.
connectIPS
This platform allows users to link bank accounts for seamless payment processing, fund transfers, and creditor payments. It supports various transaction types, including citizen-to-government, customer-to-business, and peer-to-peer payments directly from bank accounts.
- Link bank accounts
- Payment processing
- Fund transfers
- Creditor payments
- C2G payments
- C2B payments
- P2P payments
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connectIPS is a single payments platform that allows the customers to link their bank account(s) to enable payment processor, fund transfer and creditors payments. An extended product of Nepal Clearing House to support citizen-to-government (C2G), customer-to-business (C2B) and peer-to-peer (P2P) payment transactions directly from/to the bank accounts.
Screenshots
Verdict
The clearest difference is rating: HBL TOKEN at 5.0 against connectIPS's 2.1. HBL TOKEN also leads on iOS requirement (5.1.1 vs 13). connectIPS's advantage is ratings volume (36 vs 1) and update cadence (every 5 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
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 2.1. That said, the two scores are not equally well evidenced: connectIPS has 36 ratings behind it against 1, so its average is the more settled of the two.
HBL TOKEN ships an update every 2 months, connectIPS every 5 weeks. The most recent releases landed on October 4, 2026 and October 7, 2026 respectively.
| Parameter | HBL TOKEN | connectIPS |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) — better | 2.1 (36 ratings) |
| Positive reviews | — | 8.0% of reviews |
| Number of ratings | 1 | 36 — better |
| Update frequency | Every 2 months | Every 5 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 5.1.1 — better | 13 |
| Further details — not scored | ||
| Size | 11 MB | 44 MB |
| Age rating | 4+ | 4+ |
| Developer | Himalayan Bank Limited | Nepal Clearing House Ltd. |
Customer experience
HBL TOKEN
connectIPS
Bugs and requests
HBL TOKEN
Not enough reviews yet to summarise bugs or requests.
connectIPS
Reported bugs
25 issues- App crashing after new update
- App closes when opened after a few days on iOS
- Issue in getting transaction summary
- Cannot log in on iOS 15.3.1, crashes immediately
- Biometric and traditional login not working
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- App crashes upon entering username and password
- Continuously says session expired
- Automatically logs out after login
- App takes a long time to retrieve device ID and notification ID
- Issue with selecting Bank Name of the recipient
- Issues for setting up default device
- OTP comes after five minutes on iOS, valid only for two minutes
- Every login says new Device detected
- EPF payment crashes the app on iPhone Xs on iOS 14.2
- App won't open
- Doesn't work after 2020 Sept 11 update
- White texts on white background
- Cannot see what is typed due to poor contrast
- Creepy UI on dark theme, fonts not visible
- Cannot login via iPhone X
- App keeps spinning and loading forever on iOS
- Titles and fields not rendered, buttons not displayed well on iOS
- Cannot register
- Password selection criteria not accepted
- Shows weak password while creating account
Requested features
8 requests- Add email OTP/verification
- Better international access support
- Add payment of water service
- Improve app performance for device ID retrieval
- Update system for password changes from email
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- Fix font visibility issues on iOS
- Improve UI/UX for text visibility
- Add 'please wait' indicator during login
In-app purchases
HBL TOKEN
No in-app purchases
connectIPS
No in-app purchases
