Comparison

Flouci vs BNAPAY

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

Head to head
About

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.

Highlights
  • Free bank account opening
  • Instant money transfers
  • In-store and online payments
  • Merchant payment integration
  • QR code payments
  • Digital wallet
Features
Read full description

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!

About

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.

Highlights
  • Transaction history consultation
  • Merchant payments
  • Secure operations
  • 24/7 accessibility
  • BNAPAY service registration
Features
Read full description

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

Flouci4 screens
BNAPAY4 screens

Verdict

The call

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

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

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.

UpkeepUpdate frequency

Flouci ships an update every 3 weeks, BNAPAY fortnightly. The most recent releases landed on September 22, 2026 and June 1, 2026 respectively.

Scorecard4 real differences · 6 level
Flouci versus BNAPAY: the parameters behind the verdict, then further details
ParameterFlouciBNAPAY
PriceFreeFree
Rating4.6 (163 ratings) — better1.0 (1 ratings)
Positive reviews52.8% of reviews—
Number of ratings163 — better1
Update frequencyEvery 3 weeksFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.112.0 — better
Further details — not scored
Size130 MB81 MB
Age rating4+17+
DeveloperKaounBANQUE NAIONALE AGRICOLE(BNA)

Customer experience

Flouci

All ratings163 ratings
Positive90.2%
Neutral3.7%
Negative6.1%
Written reviews36 reviews
Positive52.8%
Neutral8.3%
Negative38.9%

BNAPAY

All ratings1 ratings
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

Flouci

No in-app purchases

None

BNAPAY

No in-app purchases

Questions

Is Flouci free?
Flouci is free to download, with no in-app purchases.
Is BNAPAY free?
BNAPAY is free to download, with no in-app purchases.
Which has better reviews, Flouci or BNAPAY?
Flouci is rated higher. Flouci averages 4.6 out of 5 from 163 ratings, while BNAPAY averages 1.0 from 1 ratings.
Do Flouci or BNAPAY have ads?
Neither Flouci nor BNAPAY shows ads.
Which is updated more often, Flouci or BNAPAY?
Flouci ships an update every 3 weeks, and BNAPAY fortnightly. Most recently, Flouci was updated on September 22, 2026 and BNAPAY on June 1, 2026.

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