# BT Token STBBT vs NLB Pay

The clearest difference is rating: BT Token STBBT at 5.0 against NLB Pay's 4.4. BT Token STBBT also leads on iOS requirement (8.0 vs 15.0). NLB Pay's advantage is ratings volume (73 vs 1). 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.

BT Token STBBT holds the better App Store score, 5.0 against 4.4. That said, the two scores are not equally well evidenced: NLB Pay has 73 ratings behind it against 1, so its average is the more settled of the two.

BT Token STBBT ships an update every 5 weeks, NLB Pay every 2 months. The most recent releases landed on October 2, 2026 and October 16, 2026 respectively.

## The numbers

| Metric | BT Token STBBT | NLB Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/bt-token-stbbt/id1321902084/reviews)** | [4.4 (73 ratings)](https://appshunter.io/ios/app/nlb-pay/id1509897528/reviews) |
| Number of ratings | 1 | **73** |
| Positive reviews | — | 45.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 weeks** | Every 2 months |
| Monetization | Free | Free |
| Size | 7 MB | 80 MB |
| Requires iOS | **8.0** | 15.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Stopanska banka AD Bitola](https://appshunter.io/developer/1321902083) | [NLB d.d.](https://appshunter.io/developer/1478872160) |

## What reviewers say

### BT Token STBBT

[App page](https://appshunter.io/ios/app/bt-token-stbbt/id1321902084)

Generate one-time passwords for secure and efficient signing of payment orders within the EBanking system. This tool enhances the security of your financial transactions.

**Highlights:** One-time password generation, Secure payment order signing, EBanking system integration, Fast transaction processing, Simple user interface

**In-app purchases:** none


### NLB Pay

[App page](https://appshunter.io/ios/app/nlb-pay/id1509897528)

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:** Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is BT Token STBBT free?

BT Token STBBT 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, BT Token STBBT or NLB Pay?

BT Token STBBT is rated higher. BT Token STBBT averages 5.0 out of 5 from 1 ratings, while NLB Pay averages 4.4 from 73 ratings.

### Do BT Token STBBT or NLB Pay have ads?

Neither BT Token STBBT nor NLB Pay shows ads.

### Which is updated more often, BT Token STBBT or NLB Pay?

BT Token STBBT ships an update every 5 weeks, and NLB Pay every 2 months. Most recently, BT Token STBBT was updated on October 2, 2026 and NLB Pay on October 16, 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.*