# ScoreRise vs BT Pay

The clearest difference is update cadence: BT Pay at fortnightly against ScoreRise's every 5 months. BT Pay also leads on review sentiment (37% vs 18%). ScoreRise's advantage is device support (3 vs 1) and iOS requirement (15.5 vs 17.0). 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.

ScoreRise ships an update every 5 months, BT Pay fortnightly. The most recent releases landed on October 14, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | ScoreRise | BT Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[4.8 (2.1K ratings)](https://appshunter.io/ios/app/bt-pay/id1326751685/reviews)** |
| Number of ratings | — | **2.1K** |
| Positive reviews | 17.6% of reviews | **36.8% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Fortnightly** |
| Monetization | Free | Free |
| Size | 96 MB | 439 MB |
| Requires iOS | **15.5** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [LENDRISE MARKETPLACE SRL](https://appshunter.io/developer/1796216551) | [Banca Transilvania](https://appshunter.io/developer/409783345) |

## What reviewers say

### ScoreRise

[App page](https://appshunter.io/ios/app/scorerise/id1238397718)

Access your financial reports and credit score by requesting data directly from official financial institutions. Your information is securely stored and protected according to GDPR regulations, with options for automatic or manual data deletion.

**Highlights:** Access financial reports, Obtain credit score, Data from official institutions, GDPR compliant storage, User-controlled data deletion

**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 ScoreRise free?

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

### Is BT Pay free?

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

### Do ScoreRise or BT Pay have ads?

Neither ScoreRise nor BT Pay shows ads.

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

ScoreRise ships an update every 5 months, and BT Pay fortnightly. Most recently, ScoreRise was updated on October 14, 2026 and BT Pay on October 24, 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.*