Comparison

BT Pay vs MICB Business

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

Head to head
About

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.

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
Read full description

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!

About

MICB Business

Features
Read full description

MICB Business – Your bank, wherever you are! The ideal mobile banking solution for businesses, designed to give you full control over your company accounts and financial transactions, quickly and securely, directly from your mobile device. Key Features: Fast and secure access: simple authentication via fingerprint, PIN or password, configured to your preferences. Quick access to accounts: View balances and details of current accounts, card accounts and company deposits. Transaction History: Details of all transactions in MDL and other currencies. Create payments in MDL: Easily initiate new payments, use templates or information about previous transactions. Signing payments: Authorize secure transactions in any currency. Secure authentication and authorization: Confirm Internet Banking transactions directly from the app. Account statements: Quickly generate and download account statements, providing easy access to your financial history. Messages: Secure communication with your bank directly from the app. Custom Settings: Adjust account preferences and security. Branch and ATM Locator: Localization: Quickly find the nearest branch and ATM. Multi-Company Management: Manage multiple company accounts from a single profile. Why Choose MICB Business? - Complete management of your company's finances, wherever you are. - Intuitive and easy to use interface. - Advanced security for company data and transactions. - Stay connected with your bank through a secure communication channel directly from the app. Turn your phone into the perfect business management tool! Download MICB Business now and enjoy a simple, secure and convenient banking experience!

Screenshots

BT Pay4 screens
MICB Business4 screens

Verdict

The call

The clearest difference is update cadence: BT Pay at fortnightly against MICB Business's every 6 weeks. MICB Business's advantage is iOS requirement (15.0 vs 17.0). On price, ads, in-app purchases and device support 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.

UpkeepUpdate frequency

BT Pay ships an update fortnightly, MICB Business every 6 weeks. The most recent releases landed on October 26, 2026 and October 25, 2026 respectively.

Scorecard2 real differences · 8 level
BT Pay versus MICB Business: the parameters behind the verdict, then further details
ParameterBT PayMICB Business
PriceFreeFree
Rating4.8 (2.1K ratings) — better—
Positive reviews36.8% of reviews—
Number of ratings2.1K — better—
Update frequencyFortnightly — betterEvery 6 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhoneiPhone, iPod — better
Requires iOS17.015.0 — better
Further details — not scored
Size439 MB64 MB
Age rating4+4+
DeveloperBanca TransilvaniaBC Moldindconbank S.A.

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

MICB Business

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

BT Pay

No in-app purchases

None

MICB Business

No in-app purchases

Questions

Is BT Pay free?
BT Pay is free to download, with no in-app purchases.
Is MICB Business free?
MICB Business is free to download, with no in-app purchases.
Do BT Pay or MICB Business have ads?
Neither BT Pay nor MICB Business shows ads.
Which is updated more often, BT Pay or MICB Business?
BT Pay ships an update fortnightly, and MICB Business every 6 weeks. Most recently, BT Pay was updated on October 26, 2026 and MICB Business on October 25, 2026.

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