Flouci vs BNAPAY
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Flouci
Manage your finances with a digital banking experience. Open a free bank account, send and receive money instantly, and make secure payments to merchants. Integrate for business payments or use it for personal transactions.
- Free bank account opening
- Instant money transfers
- In-store and online payments
- Merchant payment integration
- QR code payments
- Digital wallet
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Flouci is your super-app that does everything banking, transactions and payments. Open your free bank account in a few minutes on your phone and get the real digital banking experience - instant money transfers, quick payments in-store and online, easy integrations, and everything in between. GET A FREE BANK ACCOUNT Open a free bank account in a few minutes. All you have to do is follow the instructions, upload the needed documents, and sign your contract. Your new account is directly linked to your Flouci wallet. You can use the account number to deposit your salary or receive payments directly to your account. SEND & RECEIVE MONEY Send and receive money to and from anybody that has a Flouci wallet. It’s easy, cheap, and secure. And it’s pretty instant. All you have to do is enter their number or scan their personal QR code to connect to their profile. You enter the amount and confirm. You both then receive a confirmation, and you’re done! PAY & GET PAID INSTANTLY You now have access to a wide range of partner merchants across Tunisia. You can pay through the app by simply scanning the QR code shown on the counter or the checkout page. Are you a merchant yourself? You can integrate Flouci and start accepting payments in-store and online too! No waiting lines, no more looking for change, or finding out you forgot your wallet at home. Sign up today and stop worrying about waiting lines and cash!
BNAPAY
This finance app allows users to securely check their transaction history and pay merchants at any time, from anywhere. To use its features, you must be registered for the BNAPAY service and have a Tunisian bank card.
- Transaction history consultation
- Merchant payments
- Secure operations
- 24/7 accessibility
- BNAPAY service registration
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Ce service de BNA vous permet d’effectuer de manière facile et sécurisée et à n’importe quel moment de la journée où que vous soyez des opérations telles que : La consultation de l’historique de vos transactions . Le paiement d’un commerçant acceptant ce nouveau mode de paiement. Pour bénéficier de tous les avantages de cette application, vous devez au préalable être inscrit au service BNAPAY via l'application et porteur d’une carte bancaire tunisienne. Cette application vous est offerte gratuitement par BNAPAY.
Screenshots
Verdict
The clearest difference is rating: Flouci at 4.6 against BNAPAY's 1.0. Flouci also leads on ratings volume (163 vs 1). BNAPAY's advantage is monetization model (free vs free with in-app purchases) and iOS requirement (12.0 vs 15.1). On price, update cadence, ads and in-app purchases 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.
Flouci holds the better App Store score, 4.6 against 1.0. That said, the two scores are not equally well evidenced: Flouci has 163 ratings behind it against 1, so its average is the more settled of the two.
Flouci ships an update every 3 weeks, BNAPAY fortnightly. The most recent releases landed on September 22, 2026 and June 1, 2026 respectively.
| Parameter | Flouci | BNAPAY |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (163 ratings) — better | 1.0 (1 ratings) |
| Positive reviews | 52.8% of reviews | — |
| Number of ratings | 163 — better | 1 |
| Update frequency | Every 3 weeks | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.1 | 12.0 — better |
| Further details — not scored | ||
| Size | 130 MB | 81 MB |
| Age rating | 4+ | 17+ |
| Developer | Kaoun | BANQUE NAIONALE AGRICOLE(BNA) |
Customer experience
Flouci
BNAPAY
In-app purchases
Flouci
No in-app purchases
BNAPAY
No in-app purchases









