# Pago vs BT Pay

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.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

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.

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.

## The numbers

| Metric | Pago | BT Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (83 ratings)](https://appshunter.io/ios/app/pago-bill-payments/id1161260864/reviews) | **[4.8 (2K ratings)](https://appshunter.io/ios/app/bt-pay/id1326751685/reviews)** |
| Number of ratings | 83 | **2K** |
| Positive reviews | **61.1% of reviews** | 36.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 9 days** | Every 2 weeks |
| Monetization | Free | Free |
| Size | 147 MB | 317 MB |
| Requires iOS | 16.0 | 16.0 |
| Devices | iPhone | iPhone |
| Age rating | 17+ | 4+ |
| Developer | [Timesafe](https://appshunter.io/developer/1161260863) | [Banca Transilvania](https://appshunter.io/developer/409783345) |

## What reviewers say

### Pago

[App page](https://appshunter.io/ios/app/pago-bill-payments/id1161260864)

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:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none


### BT Pay

[App page](https://appshunter.io/ios/app/bt-pay/id1326751685)

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:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Smooth and fast
- 👍 User-friendly interface
- 💳 Excellent for managing cards and accounts
- 💳 Convenient payment features

**What reviewers complain about**

- 🐛 Frequent crashes and errors
- 🔒 Restrictive security measures
- 🔌 Compatibility issues with non-Romanian devices/numbers
- 🔍 Lacking important features (transaction history, notifications, etc.)

**Reported bugs**

- 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**

- 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


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