Comparison

Flik Pay vs NLB Pay

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

Head to head
About

Flik Pay

Send and receive money instantly between users of different banks in Slovenia. Easily transfer funds using a recipient's phone number or email, without needing their bank account details. Funds are available within seconds, 24/7.

Highlights
  • Instant money transfers
  • Send via phone number or email
  • No bank account details needed
  • Real-time fund availability
  • 24/7 service, including weekends
Read full description

Flik Pay omogoča enostavno, hitro in varno plačevanje med uporabniki različnih bank v Sloveniji. Enostavno pošljite denar S Flik Pay lahko denar prijatelju pošljete takoj, brez vnosa številke bančnega računa prejemnika in brez obrazcev. Denar pošljite na enostaven način, izberite njegovo telefonsko številko ali e-naslov in pošljite denar. Hitro prejmite denar Denar, ki vam ga bodo nakazali drugi, vam je na razpolago v nekaj sekundah. Storitev je na voljo 24 ur na dan, vse dni v tednu, tudi med vikendi in prazniki. Za uporabo Flik Pay aplikacije potrebujete: - odprt bančni račun, - davčno številko, - aktivacijsko kodo ali digitalno identitetno Rekono, - omogočen prenos podatkov.

About

NLB Pay

This mobile wallet allows for contactless payments in stores and cash withdrawals at ATMs using your phone. It also facilitates instant money transfers to friends and family, online payment confirmations, and management of card security settings.

Highlights
  • Contactless payments with NFC
  • Instant money transfers via Flik
  • Online payment confirmation
  • Card security management
  • Add loyalty cards
  • View transaction history
Features
Read full description

ABOUT (ENG) This application enables contactless payments with your phone and the execution of Flik instant payments. Try the free NLB Pay mobile wallet for simple and secure payments. What does NLB Pay allow you to do? - Pay for purchases in stores and withdraw cash at contactless ATMs using Google Pay or Apple Pay. Simply unlock your mobile phone with NFC enabled, hold it near the POS terminal, and wait for the sound signal. - View all payments and withdrawals under “Transactions” section of NLB Pay. - Confirm online card payments. When paying with a card online, you will receive a notification on your phone and can easily confirm the transaction directly in the mobile wallet (using facial recognition, fingerprint, or the numeric password used to access NLB Pay). - Send money to family and friends. With Flik instant payments, you can transfer money to other Flik users via their phone number. The funds will appear in their account within seconds — even if they use another bank. - Use Flik functionalities such as bill splitting and recurring payments. - Manage card security settings. You can limit card usage at ATMs, online, abroad, and lock or unlock the card if needed. - Add all merchant loyalty cards to NLB Pay. Supported devices NLB Pay is available to users of smartphones running Android 9.0 or iOS 15 and above. Security first. Due to card system security requirements, NLB Pay does not operate on mobile phones with modified factory settings or devices with altered system software (rooted phones). It also does not work if your phone is not secured/locked with at least one security element — PIN, pattern, fingerprint, facial recognition, etc. O TEJ APLIKACIJI (SLO) Aplikacija omogoča brezstično plačevanje s telefonom in izvajanje Flik plačil. Preizkusite brezplačno mobilno denarnico NLB Pay za enostavno in varno plačevanje. Kaj vam omogoča NLB Pay? - Plačevanje nakupov v trgovinah in dvigovanje gotovine na brezstičnih bankomatih z uporabo storitve Google Pay, Apple Pay. Mobilni telefon z vklopljenim NFC le odklenete, prislonite in počakate na zvočni signal. - Pregled vseh plačil in dvigov se v NLB Pay pregledno shranjujejo v razdelku "Transakcije". - Potrjevanje spletnih nakupov s karticami. Ob plačilu s kartico na spletu prejmete na telefon sporočilo in plačilo preprosto potrdite kar v mobilni denarnici (s prepoznavo obraza, prstnega odtisa ali številčnim geslom za vstop v NLB Pay). - Nakazovanje denarja sorodnikom in prijateljem. S takojšnjimi plačili Flik lahko drugim Flik uporabnikom denar nakažete kar prek njihove telefonske številke. Denar bo na njihovem računu že v nekaj sekundah tudi, če imajo osebni račun odprt pri drugi banki. - Flik funkcionalnosti razdeli račun in ponavljajoča plačila - Upravljanje z varnostnimi nastavitvami kartic. Omejite delovanje kartice na bankomatih, spletu, v tujini ter po potrebi odklenite ali zaklenite kartico. - Dodajanje vseh kartic zvestobe trgovcev v NLB Pay Na katerih telefonih lahko uporabljate NLB Pay? NLB Pay je na voljo uporabnikom pametnih telefonov z operacijskim sistemom Android 9.0. ali iOS 15 in višje. Varnost je na prvem mestu. NLB Pay zaradi varnostnih zahtev kartičnih sistemov ne deluje na mobilnih telefonih s spremenjenimi tovarniškimi nastavitvami oziroma telefonih, ki imajo spremenjeno prednastavljeno programsko kodo (zlom zaščite - »rootani« mobilni telefoni). Ravno tako ne deluje, če telefona nimate zavarovanega / zaklenjenega z vsaj enim varnostnim elementov – PIN, vzorec, prstni odtis, prepoznava obraza …

Screenshots

Flik Pay4 screens
NLB Pay3 screens

Verdict

The call

Flik Pay and NLB Pay both sit at 4.5 stars, but that hides the real split: 42% of NLB Pay's written reviews are positive against 0% of Flik Pay's. NLB Pay also leads on ratings volume (73 vs 11). On price, rating, update cadence and ads 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.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.5 for Flik Pay against 4.4 for NLB Pay. That said, the two scores are not equally well evidenced: NLB Pay has 73 ratings behind it against 11, so its average is the more settled of the two. Written reviews are what separate them: 0% of Flik Pay's written reviews are positive against 42% of NLB Pay's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on August 22, 2026 and September 5, 2026 respectively.

Scorecard2 real differences · 8 level
Flik Pay versus NLB Pay: the parameters behind the verdict, then further details
ParameterFlik PayNLB Pay
PriceFreeFree
Rating4.5 (11 ratings) — better4.4 (73 ratings)
Positive reviews0.0% of reviews42.1% of reviews — better
Number of ratings1173 — better
Update frequencyEvery 2 monthsEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS14.0 — better15.0
Further details — not scored
Size59 MB80 MB
Age rating4+4+
DeveloperBANKART d.o.o., LjubljanaNLB d.d.

Customer experience

Flik Pay

All ratings10 ratings
Positive80.0%
Neutral10.0%
Negative10.0%
Written reviews1 reviews
Positive0.0%
Neutral100.0%
Negative0.0%

NLB Pay

All ratings73 ratings
Positive84.9%
Neutral4.1%
Negative11.0%
Written reviews19 reviews
Positive42.1%
Neutral5.3%
Negative52.6%

In-app purchases

None

Flik Pay

No in-app purchases

None

NLB Pay

No in-app purchases

Questions

Is Flik Pay free?
Flik Pay is free to download, with no in-app purchases.
Is NLB Pay free?
NLB Pay is free to download, with no in-app purchases.
Which has better reviews, Flik Pay or NLB Pay?
Flik Pay is rated higher. Flik Pay averages 4.5 out of 5 from 11 ratings, while NLB Pay averages 4.4 from 73 ratings.
Do Flik Pay or NLB Pay have ads?
Neither Flik Pay nor NLB Pay shows ads.
Which is updated more often, Flik Pay or NLB Pay?
Flik Pay ships an update every 2 months, and NLB Pay every 2 months. Most recently, Flik Pay was updated on August 22, 2026 and NLB Pay on September 5, 2026.

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