# BT Pay vs MICB Business

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.

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

BT Pay ships an update fortnightly, MICB Business every 6 weeks. The most recent releases landed on October 27, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | BT Pay | MICB Business |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (2.1K ratings)](https://appshunter.io/ios/app/bt-pay/id1326751685/reviews)** | — |
| Number of ratings | **2.1K** | — |
| Positive reviews | 36.6% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 6 weeks |
| Monetization | Free | — |
| Size | 439 MB | 64 MB |
| Requires iOS | 17.0 | **15.0** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Banca Transilvania](https://appshunter.io/developer/409783345) | [BC Moldindconbank S.A.](https://appshunter.io/developer/964768028) |

## 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


### MICB Business

[App page](https://appshunter.io/ios/app/micb-business/id6444047201)

**Features:** macOS Compatibility, 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 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 27, 2026 and MICB Business on October 25, 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.*