Comparison

DH Denarnik 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

DH Denarnik

This mobile wallet allows you to securely add cards to Apple Wallet, make instant Flik payments to contacts, and pay with QR codes. It's essential for managing card security settings and validating online payments.

Highlights
  • Add cards to Apple Wallet
  • Instant Flik payments to contacts
  • Flik payments with QR code
  • Manage card security settings
  • Validate online payments
  • Mobile registration without branch visit
Features
Read full description

Mobilna denarnica DH Denarnik vam omogoča enostavno in varno dodajanje kartic v Apple Wallet. Aplikacija omogoča tudi Flik takojšnja plačila kontaktom z uporabo telefonskega imenika ter Flik plačila s QR kodo v trgovinah. Je obvezen pripomoček za urejanje varnostnih nastavitev vaših kartic ter potrjevanje spletnih plačil. Registracijo mobilne denarnice DH Denarnik in kontaktnega podatka (alias) izvedete z mobilnim telefonom, brez obiska poslovalnice hranilnice. Več informacij? Postopek za začetek uporabe je hiter in preprost, več o njem si lahko preberete na https://www.dh.si/poti-do-banke/dh-denarnik/ ali pa nam pišite na kontaktni.center@dh.si. The DH Denarnik mobile wallet enables you to easily and securly add your cards to Apple Wallet. The app also allows Flik instant payments to contacts using the phone book and Flik payments with QR code in stores. It is a must-have tool for managing the security settings of your cards and validating online payments. Registration of the DH Denarnik mobile wallet and contact information (alias) can be carried out using a mobile phone, without visiting the DH branch. More information? The application process is quick and easy, you can read more about it at https://www.dh.si/poti-do-banke/dh-denarnik/ or write to us at kontaktni.center@dh.si.

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

DH Denarnik4 screens
NLB Pay3 screens

Verdict

The call

The clearest difference is review sentiment: DH Denarnik at 100% against NLB Pay's 42%. NLB Pay's advantage is rating (4.4 vs 3.0) and ratings volume (73 vs 2). 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

NLB Pay holds the better App Store score, 4.4 against 3.0. That said, the two scores are not equally well evidenced: NLB Pay has 73 ratings behind it against 2, so its average is the more settled of the two. Written reviews complicate that: 100% of DH Denarnik's written reviews are positive against 42% of NLB Pay's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

DH Denarnik ships an update every 3 months, NLB Pay every 2 months. The most recent releases landed on June 1, 2026 and September 5, 2026 respectively.

Scorecard3 real differences · 7 level
DH Denarnik versus NLB Pay: the parameters behind the verdict, then further details
ParameterDH DenarnikNLB Pay
PriceFreeFree
Rating3.0 (2 ratings)4.4 (73 ratings) — better
Positive reviews100.0% of reviews — better42.1% of reviews
Number of ratings273 — better
Update frequencyEvery 3 monthsEvery 2 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS14.0 — better15.0
Further details — not scored
Size67 MB80 MB
Age rating4+4+
DeveloperDH d.d.NLB d.d.

Customer experience

DH Denarnik

All ratings2 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
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

DH Denarnik

No in-app purchases

None

NLB Pay

No in-app purchases

Questions

Is DH Denarnik free?
DH Denarnik 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, DH Denarnik or NLB Pay?
NLB Pay is rated higher. DH Denarnik averages 3.0 out of 5 from 2 ratings, while NLB Pay averages 4.4 from 73 ratings.
Do DH Denarnik or NLB Pay have ads?
Neither DH Denarnik nor NLB Pay shows ads.
Which is updated more often, DH Denarnik or NLB Pay?
DH Denarnik ships an update every 3 months, and NLB Pay every 2 months. Most recently, DH Denarnik was updated on June 1, 2026 and NLB Pay on September 5, 2026.

Other comparisons