Comparison

ING Banking vs Raiffeisen Payconiq

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

Head to head
About

ING Banking

Manage your finances securely and conveniently with this banking app. Perform transactions, track spending, and access banking services like savings and loans. Get support from a digital assistant or human advisors.

Highlights
  • Pay and receive money
  • Manage accounts and cards
  • Access savings, investments, and loans
  • Track spending and manage finances
  • 24/7 digital assistant support
  • Cashback offers
Features
Read full description

Whether you’re a private or professional customer, the ING Banking app allows you to have your bank at your fingertips at all times and to manage your money easily and in complete security, wherever you are. - Pay or receive money at any time, thanks to Apple Pay and payments via QR code. - Manage your accounts, cards, preferences, notifications and more, all in one place. - Savings, investments, insurance, loans: tailor your banking services to your needs. - Benefit from cashbacks from major brands. - Track your spending with the tools included in the app and actively manage your finances. - Get help via the ING digital assistant 24/7 or from an advisor during office hours. - Take part in exclusive competitions and win fantastic prizes! Not a customer yet? Open a current account with the help of itsme® - it’s simple, fast and totally secure! Already a customer? Install the app in less than 2 minutes with the help of itsme®, your ID card or with your ING card reader and ING debit card. After that, you will be able to log in easily using a 5-digit secret PIN code, your fingerprint or facial recognition. For your security, the app is automatically locked after 3 minutes of inactivity.

About

Raiffeisen Payconiq

Send money internationally to contacts or any mobile number in Luxembourg, Belgium, and the Netherlands. Pay bills, shops, restaurants, and online by scanning QR codes. Payments are debited from your chosen Raiffeisen current account.

Highlights
  • International money transfers
  • Payment requests to contacts
  • QR code bill payments
  • In-store and online QR payments
  • Debit from Raiffeisen current account
Features
Read full description

With the Raiffeisen Payconiq application, make international payments in Luxembourg, Belgium and the Netherlands. You can send money and make payment requests to your contacts or to any mobile phone number. You can also pay your bills, pay in shops, restaurants and online by scanning QR codes. Your payments are then debited to the Raiffeisen current account of your choice. To use the application, all you need is a Raiffeisen current account and the LuxTrust product that you usually use to connect to your R-Net online bank. Then follow the instructions in the Raiffeisen Payconiq application, it's quick and easy!

Screenshots

ING Banking4 screens
Raiffeisen Payconiq2 screens

Verdict

The call

The clearest difference is review sentiment: ING Banking at 61% against Raiffeisen Payconiq's 0%. ING Banking also leads on update cadence (fortnightly vs every 5 months). Raiffeisen Payconiq's advantage is iOS requirement (13.0 vs 16.0). On price, ads, in-app purchases and monetization model 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

ING Banking ships an update fortnightly, Raiffeisen Payconiq every 5 months. The most recent releases landed on September 23, 2026 and June 1, 2026 respectively.

Scorecard3 real differences · 7 level
ING Banking versus Raiffeisen Payconiq: the parameters behind the verdict, then further details
ParameterING BankingRaiffeisen Payconiq
PriceFreeFree
Rating4.8 (502 ratings) — better
Positive reviews61.3% of reviews — better0.0% of reviews
Number of ratings502 — better
Update frequencyFortnightly — betterEvery 5 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPod
Requires iOS16.013.0 — better
Further details — not scored
Size277 MB43 MB
Age rating4+4+
DeveloperING BELGIUMBanque Raiffeisen s.c.

Customer experience

ING Banking

All ratings502 ratings
Positive96.8%
Neutral1.0%
Negative2.2%
Written reviews300 reviews
Positive61.3%
Neutral3.3%
Negative35.3%

Raiffeisen Payconiq

Written reviews2 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Bugs and requests

ING Banking

Reported bugs

3 issues
  • Login and authentication problems
  • Inability to add or manage multiple accounts
  • Inconsistent app behavior across devices and OS versions

Requested features

4 requests
  • Ability to view account statements and transaction history
  • Option to customize app settings and layout
  • Support for international money transfers
  • Integration with other financial tools and services

Raiffeisen Payconiq

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

ING Banking

No in-app purchases

None

Raiffeisen Payconiq

No in-app purchases

Questions

Is ING Banking free?
ING Banking is free to download, with no in-app purchases.
Is Raiffeisen Payconiq free?
Raiffeisen Payconiq is free to download, with no in-app purchases.
Do ING Banking or Raiffeisen Payconiq have ads?
Neither ING Banking nor Raiffeisen Payconiq shows ads.
Which is updated more often, ING Banking or Raiffeisen Payconiq?
ING Banking ships an update fortnightly, and Raiffeisen Payconiq every 5 months. Most recently, ING Banking was updated on September 23, 2026 and Raiffeisen Payconiq on June 1, 2026.

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