# flateXSecure vs RaiPay

The clearest difference is review sentiment: flateXSecure at 85% against RaiPay's 36%. flateXSecure also leads on rating (4.5 vs 3.0) and ratings volume (84 vs 2). 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.

flateXSecure holds the better App Store score, 4.5 against 3.0. That said, the two scores are not equally well evidenced: flateXSecure has 84 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 85% of flateXSecure's written reviews are positive against 36% of RaiPay's.

flateXSecure ships an update every 5 months, RaiPay every 4 months. The most recent releases landed on October 16, 2026 and October 14, 2026 respectively.

## The numbers

| Metric | flateXSecure | RaiPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (84 ratings)](https://appshunter.io/ios/app/flatexsecure/id1174476178/reviews)** | [3.0 (2 ratings)](https://appshunter.io/ios/app/raipay/id1589426234/reviews) |
| Number of ratings | **84** | 2 |
| Positive reviews | **84.9% of reviews** | 36.4% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Every 4 months** |
| Monetization | Free | Free |
| Size | 10 MB | 88 MB |
| Requires iOS | **12.0** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 12+ |
| Developer | [flatexDEGIRO SE](https://appshunter.io/developer/638392948) | [Raiffeisen e-force GmbH](https://appshunter.io/developer/434810783) |

## What reviewers say

### flateXSecure

[App page](https://appshunter.io/ios/app/flatexsecure/id1174476178)

Securely authorize transactions without an iTAN card. Receive TANs directly on your smartphone or tablet via the app. Get important notifications through push messages.

**Highlights:** Secure transaction authorization, iTAN card alternative, Receive TANs on smartphone/tablet, Push notifications, Choose authorization method

**In-app purchases:** none


### RaiPay

[App page](https://appshunter.io/ios/app/raipay/id1589426234)

Manage your digital debit and credit cards from multiple banks. Send money to other Austrian cardholders and keep all your customer loyalty cards in one place for easy access.

**Highlights:** Digital card display, Send money person-to-person, Digital customer and loyalty cards, View online merchant connections, View subscription service connections

**In-app purchases:** none


## Frequently asked questions

### Is flateXSecure free?

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

### Is RaiPay free?

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

### Which has better reviews, flateXSecure or RaiPay?

flateXSecure is rated higher. flateXSecure averages 4.5 out of 5 from 84 ratings, while RaiPay averages 3.0 from 2 ratings.

### Do flateXSecure or RaiPay have ads?

Neither flateXSecure nor RaiPay shows ads.

### Which is updated more often, flateXSecure or RaiPay?

flateXSecure ships an update every 5 months, and RaiPay every 4 months. Most recently, flateXSecure was updated on October 16, 2026 and RaiPay on October 14, 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.*