# BT Pay vs SelfPay Now

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.

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.

## The numbers

| Metric | BT Pay | SelfPay Now |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (2K ratings)](https://appshunter.io/ios/app/bt-pay/id1326751685/reviews)** | [4.3 (6 ratings)](https://appshunter.io/ios/app/selfpay-now/id1573113657/reviews) |
| Number of ratings | **2K** | 6 |
| Positive reviews | 36.7% of reviews | **50.9% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 3 weeks |
| Monetization | Free | Free |
| Size | 317 MB | 108 MB |
| Requires iOS | **16.0** | 16.5 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Banca Transilvania](https://appshunter.io/developer/409783345) | [SelfPay S.A](https://appshunter.io/developer/1423598777) |

## What reviewers say

### 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


### SelfPay Now

[App page](https://appshunter.io/ios/app/selfpay-now/id1573113657)

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.

**Highlights:** Instant cash deposits to any card, Free money transfers to friends, Transfer between your cards, Pay bills and taxes, Nationwide payment station network

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is BT Pay free?

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

### Is SelfPay Now free?

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

### Which has better reviews, BT Pay or SelfPay Now?

BT Pay is rated higher. BT Pay averages 4.8 out of 5 from 2K ratings, while SelfPay Now averages 4.3 from 6 ratings.

### Do BT Pay or SelfPay Now have ads?

Neither BT Pay nor SelfPay Now shows ads.

### Which is updated more often, BT Pay or SelfPay Now?

BT Pay ships an update every 2 weeks, and SelfPay Now every 3 weeks. Most recently, BT Pay was updated on September 23, 2026 and SelfPay Now on September 9, 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.*