# HBL TOKEN vs connectIPS

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.

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.

## The numbers

| Metric | HBL TOKEN | connectIPS |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/hbl-token/id971712711/reviews)** | [2.1 (36 ratings)](https://appshunter.io/ios/app/connectips/id1449940087/reviews) |
| Number of ratings | 1 | **36** |
| Positive reviews | — | 8.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 5 weeks** |
| Monetization | Free | Free |
| Size | 11 MB | 44 MB |
| Requires iOS | **5.1.1** | 13 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Himalayan Bank Limited](https://appshunter.io/developer/971712710) | [Nepal Clearing House Ltd.](https://appshunter.io/developer/1449940086) |

## 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


### connectIPS

[App page](https://appshunter.io/ios/app/connectips/id1449940087)

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.

**Highlights:** Link bank accounts, Payment processing, Fund transfers, Creditor payments, C2G payments, C2B payments, P2P payments

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 👍 Great app for banking transactions
- 👍 Service is awesome

**What reviewers complain about**

- 🐛 App crashing frequently
- 🐛 Session expired issues
- 🐛 Login problems
- 🐛 App crashes after updates
- 🐛 UI/UX issues with text visibility

**Reported bugs**

- 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

**Requested features**

- 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


## Frequently asked questions

### Is HBL TOKEN free?

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

### Is connectIPS free?

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

### Which has better reviews, HBL TOKEN or connectIPS?

HBL TOKEN is rated higher. HBL TOKEN averages 5.0 out of 5 from 1 ratings, while connectIPS averages 2.1 from 36 ratings.

### Do HBL TOKEN or connectIPS have ads?

Neither HBL TOKEN nor connectIPS shows ads.

### Which is updated more often, HBL TOKEN or connectIPS?

HBL TOKEN ships an update every 2 months, and connectIPS every 5 weeks. Most recently, HBL TOKEN was updated on October 4, 2026 and connectIPS on October 7, 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.*