# homefile vs BT Pay

The clearest difference is ratings volume: BT Pay at 2K against homefile's 1. BT Pay also leads on update cadence (every 2 weeks vs every 2 months). homefile's advantage is rating (5.0 vs 4.8). 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.

homefile holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: BT Pay has 2K ratings behind it against 1, so its average is the more settled of the two.

homefile ships an update every 2 months, BT Pay every 2 weeks. The most recent releases landed on July 18, 2026 and September 23, 2026 respectively.

## The numbers

| Metric | homefile | BT Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/homefile/id1193052395/reviews)** | [4.8 (2K ratings)](https://appshunter.io/ios/app/bt-pay/id1326751685/reviews) |
| Number of ratings | 1 | **2K** |
| Positive reviews | — | 36.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 106 MB | 317 MB |
| Requires iOS | 16.0 | 16.0 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Homefile SRL](https://appshunter.io/developer/1193052394) | [Banca Transilvania](https://appshunter.io/developer/409783345) |

## What reviewers say

### homefile

[App page](https://appshunter.io/ios/app/homefile/id1193052395)

This app facilitates transparent management for homeowner associations. Residents can pay dues, view payment history, and track expenses. Administrators can manage tenant payments, issue receipts, and update resident information.

**Highlights:** Pay association dues, View payment history, Track expenses, Enter meter readings, Manage tenant payments, Issue mobile receipts

**Features:** macOS Compatibility

**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 homefile free?

homefile 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, homefile or BT Pay?

homefile is rated higher. homefile averages 5.0 out of 5 from 1 ratings, while BT Pay averages 4.8 from 2K ratings.

### Do homefile or BT Pay have ads?

Neither homefile nor BT Pay shows ads.

### Which is updated more often, homefile or BT Pay?

homefile ships an update every 2 months, and BT Pay every 2 weeks. Most recently, homefile was updated on July 18, 2026 and BT Pay on September 23, 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.*