Comparison

ProCredit MobileSign vs NLB Pay

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

ProCredit MobileSign

Securely authorize transactions and documents for various banking services. This application works in conjunction with other ProCredit apps to authenticate your access and approve actions, requiring only your smartphone and internet access.

Highlights
  • Securely authorize transactions
  • Authenticate access to banking services
  • No additional hardware token needed
  • Uses smartphone/tablet for authorization
  • QR code device registration
Features
Read full description

Dear clients, Get the ProCredit MobileSign app to securely authorize transactions and documents using various ProCredit services. Use the ProCredit MobileSign app to securely access ProCredit’s banking applications and services. Use it to authorize transactions or to authenticate your access (when requested). Please note that MobileSign is primarily a security application and is used in conjunction with other ProCredit applications, not stand-alone. How it works Individual ProCredit applications will prompt you to install or use the MobileSign application. For example, you may be asked to use the application to read an on-screen QR code to register your device. Transactions appear within the application for your approval. Requirements You need your ProCredit MobileSign app and Internet access on your smartphone. Features - Easily authorise transactions - No additional token or 3rd party device is required. Just your smartphone/tablet

About

NLB Pay

This mobile wallet allows for contactless payments in stores and cash withdrawals at ATMs using your phone. It also facilitates instant money transfers to friends and family, online payment confirmations, and management of card security settings.

Highlights
  • Contactless payments with NFC
  • Instant money transfers via Flik
  • Online payment confirmation
  • Card security management
  • Add loyalty cards
  • View transaction history
Features
Read full description

ABOUT (ENG) This application enables contactless payments with your phone and the execution of Flik instant payments. Try the free NLB Pay mobile wallet for simple and secure payments. What does NLB Pay allow you to do? - Pay for purchases in stores and withdraw cash at contactless ATMs using Apple Pay. Simply unlock your mobile phone with NFC enabled, hold it near the POS terminal, and wait for the sound signal. - View all payments and withdrawals under “Transactions” section of NLB Pay. - Confirm online card payments. When paying with a card online, you will receive a notification on your phone and can easily confirm the transaction directly in the mobile wallet (using facial recognition, fingerprint, or the numeric password used to access NLB Pay). - Send money to family and friends. With Flik instant payments, you can transfer money to other Flik users via their phone number. The funds will appear in their account within seconds — even if they use another bank. - Use Flik functionalities such as bill splitting and recurring payments. - Manage card security settings. You can limit card usage at ATMs, online, abroad, and lock or unlock the card if needed. - Add all merchant loyalty cards to NLB Pay. Supported devices NLB Pay is available to users of smartphones running Android 9.0 or iOS 15 and above. Security first. Due to card system security requirements, NLB Pay does not operate on mobile phones with modified factory settings or devices with altered system software (rooted phones). It also does not work if your phone is not secured/locked with at least one security element — PIN, pattern, fingerprint, facial recognition, etc. O TEJ APLIKACIJI (SLO) Aplikacija omogoča brezstično plačevanje s telefonom in izvajanje Flik plačil. Preizkusite brezplačno mobilno denarnico NLB Pay za enostavno in varno plačevanje. Kaj vam omogoča NLB Pay? - Plačevanje nakupov v trgovinah in dvigovanje gotovine na brezstičnih bankomatih z uporabo storitve Apple Pay. Mobilni telefon z vklopljenim NFC le odklenete, prislonite in počakate na zvočni signal. - Pregled vseh plačil in dvigov se v NLB Pay pregledno shranjujejo v razdelku "Transakcije". - Potrjevanje spletnih nakupov s karticami. Ob plačilu s kartico na spletu prejmete na telefon sporočilo in plačilo preprosto potrdite kar v mobilni denarnici (s prepoznavo obraza, prstnega odtisa ali številčnim geslom za vstop v NLB Pay). - Nakazovanje denarja sorodnikom in prijateljem. S takojšnjimi plačili Flik lahko drugim Flik uporabnikom denar nakažete kar prek njihove telefonske številke. Denar bo na njihovem računu že v nekaj sekundah tudi, če imajo osebni račun odprt pri drugi banki. - Flik funkcionalnosti razdeli račun in ponavljajoča plačila - Upravljanje z varnostnimi nastavitvami kartic. Omejite delovanje kartice na bankomatih, spletu, v tujini ter po potrebi odklenite ali zaklenite kartico. - Dodajanje vseh kartic zvestobe trgovcev v NLB Pay Na katerih telefonih lahko uporabljate NLB Pay? NLB Pay je na voljo uporabnikom pametnih telefonov z operacijskim sistemom Android 9.0. ali iOS 15 in višje. Varnost je na prvem mestu. NLB Pay zaradi varnostnih zahtev kartičnih sistemov ne deluje na mobilnih telefonih s spremenjenimi tovarniškimi nastavitvami oziroma telefonih, ki imajo spremenjeno prednastavljeno programsko kodo (zlom zaščite - »rootani« mobilni telefoni). Ravno tako ne deluje, če telefona nimate zavarovanega / zaklenjenega z vsaj enim varnostnim elementov – PIN, vzorec, prstni odtis, prepoznava obraza …

Screenshots

ProCredit MobileSign4 screens
NLB Pay3 screens

Verdict

The call

The clearest difference is review sentiment: NLB Pay at 45% against ProCredit MobileSign's 0%. NLB Pay also leads on rating (4.5 vs 4.0) and update cadence (every 2 months vs every 6 months). ProCredit MobileSign's advantage is iOS requirement (11.0 vs 15.0). On price, ads, in-app purchases and monetization model there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

NLB Pay holds the better App Store score, 4.5 against 4.0. That said, the two scores are not equally well evidenced: NLB Pay has 75 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 0% of ProCredit MobileSign's written reviews are positive against 45% of NLB Pay's.

UpkeepUpdate frequency

ProCredit MobileSign ships an update every 6 months, NLB Pay every 2 months. The most recent releases landed on October 24, 2026 and October 29, 2026 respectively.

Scorecard5 real differences · 5 level
ProCredit MobileSign versus NLB Pay: the parameters behind the verdict, then further details
ParameterProCredit MobileSignNLB Pay
PriceFreeFree
Rating4.0 (4 ratings)4.5 (75 ratings) — better
Positive reviews0.0% of reviews45.0% of reviews — better
Number of ratings475 — better
Update frequencyEvery 6 monthsEvery 2 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS11.0 — better15.0
Further details — not scored
Size56 MB80 MB
Age rating4+4+
DeveloperQUIPU GmbHNLB d.d.

Customer experience

ProCredit MobileSign

All ratings4 ratings
Positive75.0%
Neutral0.0%
Negative25.0%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

NLB Pay

All ratings75 ratings
Positive85.3%
Neutral4.0%
Negative10.7%
Written reviews20 reviews
Positive45.0%
Neutral5.0%
Negative50.0%

In-app purchases

None

ProCredit MobileSign

No in-app purchases

None

NLB Pay

No in-app purchases

Questions

Is ProCredit MobileSign free?
ProCredit MobileSign is free to download, with no in-app purchases.
Is NLB Pay free?
NLB Pay is free to download, with no in-app purchases.
Which has better reviews, ProCredit MobileSign or NLB Pay?
NLB Pay is rated higher. ProCredit MobileSign averages 4.0 out of 5 from 4 ratings, while NLB Pay averages 4.5 from 75 ratings.
Do ProCredit MobileSign or NLB Pay have ads?
Neither ProCredit MobileSign nor NLB Pay shows ads.
Which is updated more often, ProCredit MobileSign or NLB Pay?
ProCredit MobileSign ships an update every 6 months, and NLB Pay every 2 months. Most recently, ProCredit MobileSign was updated on October 24, 2026 and NLB Pay on October 29, 2026.

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