# BKT Kosova Mobile vs NLB Pay

The clearest difference is rating: NLB Pay at 4.5 against BKT Kosova Mobile's 3.3. NLB Pay also leads on review sentiment (45% vs 19%) and ratings volume (75 vs 15). 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.

NLB Pay holds the better App Store score, 4.5 against 3.3. That said, the two scores are not equally well evidenced: NLB Pay has 75 ratings behind it against 15, so its average is the more settled of the two. Written reviews point the same way: 19% of BKT Kosova Mobile's written reviews are positive against 45% of NLB Pay's.

BKT Kosova Mobile ships an update every 3 months, NLB Pay every 2 months. The most recent releases landed on October 22, 2026 and October 27, 2026 respectively.

## The numbers

| Metric | BKT Kosova Mobile | NLB Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.3 (15 ratings)](https://appshunter.io/ios/app/bkt-kosova-mobile/id1112961398/reviews) | **[4.5 (75 ratings)](https://appshunter.io/ios/app/nlb-pay/id1509897528/reviews)** |
| Number of ratings | 15 | **75** |
| Positive reviews | 19.0% of reviews | **45.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 2 months** |
| Monetization | Free | Free |
| Size | 155 MB | 80 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [BKT](https://appshunter.io/developer/1061947931) | [NLB d.d.](https://appshunter.io/developer/1478872160) |

## What reviewers say

### BKT Kosova Mobile

[App page](https://appshunter.io/ios/app/bkt-kosova-mobile/id1112961398)

Manage your finances with ease, including loans, deposits, and credit cards. Perform payments, bill pay, and money transfers securely. Open new accounts and explore investment opportunities.

**Highlights:** Manage loans, deposits, and credit cards, Perform payments and bill pay, Transfer money between accounts, Open new savings accounts, Trade stocks, Set budgets and track spending, Pay traffic fines

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### NLB Pay

[App page](https://appshunter.io/ios/app/nlb-pay/id1509897528)

This mobile wallet allows for contactless payments in stores and cash withdrawals at ATMs using your phone. It also facilitates instant money transfers to friends and family, online payment confirmations, and management of card security settings.

**Highlights:** Contactless payments with NFC, Instant money transfers via Flik, Online payment confirmation, Card security management, Add loyalty cards, View transaction history

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is BKT Kosova Mobile free?

BKT Kosova Mobile is free to download, with no in-app purchases.

### Is NLB Pay free?

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

### Which has better reviews, BKT Kosova Mobile or NLB Pay?

NLB Pay is rated higher. BKT Kosova Mobile averages 3.3 out of 5 from 15 ratings, while NLB Pay averages 4.5 from 75 ratings.

### Do BKT Kosova Mobile or NLB Pay have ads?

Neither BKT Kosova Mobile nor NLB Pay shows ads.

### Which is updated more often, BKT Kosova Mobile or NLB Pay?

BKT Kosova Mobile ships an update every 3 months, and NLB Pay every 2 months. Most recently, BKT Kosova Mobile was updated on October 22, 2026 and NLB Pay on October 27, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*