Comparison

Pago vs BT Pay

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

Head to head
About

Pago

Simplify your financial life by managing and paying all your bills from a single, secure account. Receive timely notifications and organize payments to avoid late fees. Go paperless and contribute to environmental conservation.

Highlights
  • Manage and pay all bills from one account
  • View bills sorted by due date
  • Pay bills for multiple properties or others
  • Receive bill notifications
  • Schedule manual or automatic payments
  • Secure payment processing
  • Digital receipt storage
Features
Read full description

Pago is the app for simple and secure online payments, where you manage all your bills with just one account, in seconds. Here are the 9 essential features that will simplify your life: 1. Manage and pay all your bills with just one account 2. You can see bills sorted by due date without searching through emails or elsewhere 3. Manage and pay bills for your primary residence, other homes, or for other people 4. After adding your provider, it will only takes a few seconds to pay the bills 5. Receive notifications for newly issued bills and before they are due 6. Organize and control your bills: decide when to pay, manually or automatically 7. Secure payments thanks to collaboration with the largest payment processors. Card payments, supported by 3D Secure technology, with a 6-character security code or via biometric confirmation, with fingerprint or face recognition 8. Dedicated support: For any need or doubt, contact us via chat in the app and we will be happy to assist you. 9. Ecological saving: Thanks to our digital receipt storage, you can actively contribute to environmental conservation by reducing paper consumption.

About

BT Pay

Send and receive money easily using just a phone number. Manage your bank cards, view transaction history, and access exclusive offers. Integrates with HealthKit for personalized deals based on your activity.

Highlights
  • Send and receive money via phone number
  • Transfer money between your cards
  • View transaction history and card balances
  • Access STAR loyalty points and credit card payment info
  • Receive exclusive STAR partner offers
  • Personalized offers based on HealthKit data
Features
Read full description

Acum poti sa transferi bani în cel mai simplu mod în care ai făcut-o vreodată …cu telefonul! Inregistreaza-te in aplicatia BT Pay, lansata de Banca Transilvania, completand urmatoarele informatii: numarul de telefon, data nasterii si detaliile cardurilor BT pe care le doresti sa fie incluse in aplicatie, in format digital. Ce poti face cu aplicatia BT Pay? Multe: • Trimiti bani catre cine doresti sau poti solicita sa ti se trimita bani cand ai nevoie. Tot ce trebuie sa stii pentru transfer este numarul de telefon al persoanei catre care/de la care este transferul de bani; • Poti transfera bani intre conturile cardurilor tale BT; • Poti vedea istoricul tranzactiilor cardurilor cuprinse in BT Pay si cati bani mai ai pe cardul BT. Daca ai si card de credit BT, poti afla inclusiv sumele lunare de plata si cate puncte de loialitate STAR ai acumulate, pentru a le folosi ulterior la alte cumparaturi. Totul, in timp real; • Primesti in exclusivitate oferte ale partenerilor STAR si ale BT; • BT Pay integreaza HealthKit pentru a-ti oferi oferte personalizate in functie de numarul de pasi facuti, dar numai daca tu oferi acces acestei functionalitati. Bucura-te de experienta BT Pay!

Screenshots

Pago4 screens
BT Pay4 screens

Verdict

The call

The clearest difference is review sentiment: Pago at 61% against BT Pay's 37%. BT Pay's advantage is ratings volume (2K vs 83) and rating (4.8 vs 4.6). On price, update cadence, ads and in-app purchases 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

BT Pay holds the better App Store score, 4.8 against 4.6. That said, the two scores are not equally well evidenced: BT Pay has 2K ratings behind it against 83, so its average is the more settled of the two. Written reviews complicate that: 61% of Pago's written reviews are positive against 37% of BT Pay's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Pago ships an update every 9 days, BT Pay every 2 weeks. The most recent releases landed on September 23, 2026 and September 26, 2026 respectively.

Scorecard3 real differences · 7 level
Pago versus BT Pay: the parameters behind the verdict, then further details
ParameterPagoBT Pay
PriceFreeFree
Rating4.6 (83 ratings)4.8 (2K ratings) — better
Positive reviews61.1% of reviews — better36.7% of reviews
Number of ratings832K — better
Update frequencyEvery 9 days — betterEvery 2 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhoneiPhone
Requires iOS16.016.0
Further details — not scored
Size147 MB317 MB
Age rating17+4+
DeveloperTimesafeBanca Transilvania

Customer experience

Pago

All ratings83 ratings
Positive90.4%
Neutral1.2%
Negative8.4%
Written reviews90 reviews
Positive61.1%
Neutral3.3%
Negative35.6%

BT Pay

All ratings1,956 ratings
Positive94.8%
Neutral0.8%
Negative4.4%
Written reviews229 reviews
Positive36.7%
Neutral7.0%
Negative56.3%

Bugs and requests

Pago

Not enough reviews yet to summarise bugs or requests.

BT Pay

Reported bugs

4 issues
  • Unable to add/update personal details
  • Payments and transfers often fail or get stuck
  • App freezes during verification steps
  • Inconsistent behavior when switching devices

Requested features

4 requests
  • Add option to manually enter SMS verification codes
  • Improve transaction history and notification features
  • Enable support for non-Romanian users and devices
  • Integrate advanced budgeting and analytics tools

In-app purchases

None

Pago

No in-app purchases

None

BT Pay

No in-app purchases

Questions

Is Pago free?
Pago is free to download, with no in-app purchases.
Is BT Pay free?
BT Pay is free to download, with no in-app purchases.
Which has better reviews, Pago or BT Pay?
BT Pay is rated higher. Pago averages 4.6 out of 5 from 83 ratings, while BT Pay averages 4.8 from 2K ratings.
Do Pago or BT Pay have ads?
Neither Pago nor BT Pay shows ads.
Which is updated more often, Pago or BT Pay?
Pago ships an update every 9 days, and BT Pay every 2 weeks. Most recently, Pago was updated on September 23, 2026 and BT Pay on September 26, 2026.

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