BT Pay vs SelfPay Now
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
BT Pay
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.
- 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
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Acum poti sa transferi bani în cel mai simplu mod în care ai făcut-o vreodată …cu telefonul! Inregistreaza-te in aplicatia BT Pay, lansata de Banca Transilvania, completand urmatoarele informatii: numarul de telefon, data nasterii si detaliile cardurilor BT pe care le doresti sa fie incluse in aplicatie, in format digital. Ce poti face cu aplicatia BT Pay? Multe: • Trimiti bani catre cine doresti sau poti solicita sa ti se trimita bani cand ai nevoie. Tot ce trebuie sa stii pentru transfer este numarul de telefon al persoanei catre care/de la care este transferul de bani; • Poti transfera bani intre conturile cardurilor tale BT; • Poti vedea istoricul tranzactiilor cardurilor cuprinse in BT Pay si cati bani mai ai pe cardul BT. Daca ai si card de credit BT, poti afla inclusiv sumele lunare de plata si cate puncte de loialitate STAR ai acumulate, pentru a le folosi ulterior la alte cumparaturi. Totul, in timp real; • Primesti in exclusivitate oferte ale partenerilor STAR si ale BT; • BT Pay integreaza HealthKit pentru a-ti oferi oferte personalizate in functie de numarul de pasi facuti, dar numai daca tu oferi acces acestei functionalitati. Bucura-te de experienta BT Pay!
SelfPay Now
Easily deposit cash onto any card at payment stations, transfer money instantly and for free to friends or between your cards, and pay bills and taxes to municipalities. Turn any station into a deposit ATM for immediate access to your funds.
- Instant cash deposits to any card
- Free money transfers to friends
- Transfer between your cards
- Pay bills and taxes
- Nationwide payment station network
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Download SelfPay Now and enjoy a simple and secure financial experience: • Deposit cash instantly onto any card at SelfPay Payment Stations. • Transfer money – instantly and for free – to friends or between your cards, regardless of the issuing bank. • Pay bills and local taxes directly from the app • Purchase your Romanian vignette, Bulgarian vignette and Fetești bridge toll in just a few taps • Save your vehicle details in My Garage for easier management • Keep all your loyalty cards in one place • Top up your prepaid mobile credit or purchase a Travel eSIM in seconds • Buy gaming credits and licenses • Purchase digital gift cards for your favorite services • Check a vehicle's history through the AiDaune service • Purchase your RCA car insurance directly from the app • Purchase 9695 roadside assistance services SelfPay Now quickly and easily turns your cash into money on your card, exactly when you need it. You can deposit cash at any of the 14.000+ SelfPay Payment Stations across the country, and the money is instantly available on your card - no trips to the bank and no reliance on ATMs. With an extensive network of Payment Stations located in supermarkets, gas stations, and convenience stores, you have the freedom to make deposits wherever you are. With access to over 200 services, SelfPay Now is the app that makes managing your everyday payments and services easier. Everything you need is available in one place - fast, secure and easy to use. Address: 153-155 Dacia Blvd., Floors 5-7, Sector 2, Bucharest, Romania
Screenshots
Verdict
The clearest difference is rating: BT Pay at 4.8 against SelfPay Now's 4.3. BT Pay also leads on ratings volume (2K vs 6). SelfPay Now's advantage is review sentiment (51% vs 37%). On price, update cadence, ads and in-app purchases 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
BT Pay holds the better App Store score, 4.8 against 4.3. That said, the two scores are not equally well evidenced: BT Pay has 2K ratings behind it against 6, so its average is the more settled of the two. Written reviews complicate that: 37% of BT Pay's written reviews are positive against 51% of SelfPay Now's, so the app with the better star average is not the one people write more warmly about.
BT Pay ships an update every 2 weeks, SelfPay Now every 3 weeks. The most recent releases landed on September 23, 2026 and September 9, 2026 respectively.
| Parameter | BT Pay | SelfPay Now |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (2K ratings) — better | 4.3 (6 ratings) |
| Positive reviews | 36.7% of reviews | 50.9% of reviews — better |
| Number of ratings | 2K — better | 6 |
| Update frequency | Every 2 weeks — better | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone | iPhone |
| Requires iOS | 16.0 — better | 16.5 |
| Further details — not scored | ||
| Size | 317 MB | 108 MB |
| Age rating | 4+ | 4+ |
| Developer | Banca Transilvania | SelfPay S.A |
Customer experience
BT Pay
SelfPay Now
Bugs and requests
BT Pay
Reported bugs
4 issues- 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
4 requests- 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
SelfPay Now
Not enough reviews yet to summarise bugs or requests.
In-app purchases
BT Pay
No in-app purchases
SelfPay Now
No in-app purchases









