# Raiffeisen Smart Mobile vs 24pay

The clearest difference is rating: Raiffeisen Smart Mobile at 4.8 against 24pay's 3.4. Raiffeisen Smart Mobile also leads on ratings volume (1.2K vs 27) and review sentiment (39% vs 22%). 24pay's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, update cadence, in-app purchases and device support there is nothing between them.

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

Raiffeisen Smart Mobile holds the better App Store score, 4.8 against 3.4. That said, the two scores are not equally well evidenced: Raiffeisen Smart Mobile has 1.2K ratings behind it against 27, so its average is the more settled of the two. Written reviews point the same way: 39% of Raiffeisen Smart Mobile's written reviews are positive against 22% of 24pay's.

Raiffeisen Smart Mobile ships an update every 6 days, 24pay every 10 days. The most recent releases landed on September 22, 2026 and September 10, 2026 respectively.

## The numbers

| Metric | Raiffeisen Smart Mobile | 24pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (1.2K ratings)](https://appshunter.io/ios/app/raiffeisen-smart-mobile/id1255136212/reviews)** | [3.4 (27 ratings)](https://appshunter.io/ios/app/24pay/id1282006921/reviews) |
| Number of ratings | **1.2K** | 27 |
| Positive reviews | **39.1% of reviews** | 21.7% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Every 6 days** | Every 10 days |
| Monetization | Free with in-app purchases | **Free** |
| Size | 290 MB | 124 MB |
| Requires iOS | **16.4** | 18.0 |
| Devices | **iPhone, Apple Watch** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Raiffeisen Bank Romania S.A.](https://appshunter.io/developer/470512473) | [PTPOnline SRL](https://appshunter.io/developer/1282006920) |

## What reviewers say

### Raiffeisen Smart Mobile

[App page](https://appshunter.io/ios/app/raiffeisen-smart-mobile/id1255136212)

Manage your finances on the go with a secure and intuitive mobile banking app. Open accounts online, make instant payments, personalize your dashboard, and access investment and loan products. Enjoy features like automatic savings, bill payments, and loyalty rewards.

**Highlights:** 100% online account opening, Secure authentication (PIN, fingerprint, FaceID), Smart Hour exchange rates, Personalized dashboard, Instant payments (24/7), Automatic savings with Saving Box, Card management (block, reissue, PIN), Loyalty app access with rewards

**Features:** Apple Watch app

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Fast and efficient
- 🔒 Secure banking
- 💡 Useful features

**What reviewers complain about**

- 🐛 Bugs and glitches
- 🤔 Complicated interface
- 📱 Compatibility issues
- 🔑 Excessive security measures

**Reported bugs**

- Login and authentication problems
- Frequent crashes and app freezes
- Unreliable push notifications
- Incompatibility with older devices and OS versions

**Requested features**

- Improved account management options
- More customization and personalization
- Seamless integration with other banking services
- Expanded payment and transfer capabilities


### 24pay

[App page](https://appshunter.io/ios/app/24pay/id1282006921)

This app provides a secure and fast way to make various payments directly from your phone. It functions as an e-wallet for everyday transactions, including public transport, utility bills, mobile top-ups, parking, and insurance policies.

**Highlights:** Direct, secure, and fast payments, Public transport ticket payment, Utility bill payments, Mobile top-up services, Parking fee payment, RCA insurance policy comparison and purchase

**In-app purchases:** none


## Frequently asked questions

### Is Raiffeisen Smart Mobile free?

Raiffeisen Smart Mobile is free to download, with no in-app purchases.

### Is 24pay free?

24pay is free to download, with no in-app purchases.

### Which has better reviews, Raiffeisen Smart Mobile or 24pay?

Raiffeisen Smart Mobile is rated higher. Raiffeisen Smart Mobile averages 4.8 out of 5 from 1.2K ratings, while 24pay averages 3.4 from 27 ratings.

### Do Raiffeisen Smart Mobile or 24pay have ads?

Raiffeisen Smart Mobile shows ads; 24pay does not.

### Which is updated more often, Raiffeisen Smart Mobile or 24pay?

Raiffeisen Smart Mobile ships an update every 6 days, and 24pay every 10 days. Most recently, Raiffeisen Smart Mobile was updated on September 22, 2026 and 24pay on September 10, 2026.

---

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