ING Banking vs Raiffeisen Payconiq
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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.
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.
- International money transfers
- Payment requests to contacts
- QR code bill payments
- In-store and online QR payments
- Debit from Raiffeisen current account
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
| Parameter | ING Banking | Raiffeisen Payconiq |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (502 ratings) — better | — |
| Positive reviews | 61.3% of reviews — better | 0.0% of reviews |
| Number of ratings | 502 — better | — |
| Update frequency | Fortnightly — better | Every 5 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPod |
| Requires iOS | 16.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 277 MB | 43 MB |
| Age rating | 4+ | 4+ |
| Developer | ING BELGIUM | Banque Raiffeisen s.c. |
Customer experience
ING Banking
Raiffeisen Payconiq
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
ING Banking
No in-app purchases
Raiffeisen Payconiq
No in-app purchases
Questions
Is ING Banking free?
Is Raiffeisen Payconiq free?
Do ING Banking or Raiffeisen Payconiq have ads?
Which is updated more often, ING Banking or Raiffeisen Payconiq?
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