# DH Denarnik vs NLB Pay

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.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

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.

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.

## The numbers

| Metric | DH Denarnik | NLB Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (2 ratings)](https://appshunter.io/ios/app/dh-denarnik/id1490853552/reviews) | **[4.4 (73 ratings)](https://appshunter.io/ios/app/nlb-pay/id1509897528/reviews)** |
| Number of ratings | 2 | **73** |
| Positive reviews | **100.0% of reviews** | 42.1% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 2 months** |
| Monetization | Free | Free |
| Size | 67 MB | 80 MB |
| Requires iOS | **14.0** | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [DH d.d.](https://appshunter.io/developer/1490853551) | [NLB d.d.](https://appshunter.io/developer/1478872160) |

## What reviewers say

### DH Denarnik

[App page](https://appshunter.io/ios/app/dh-denarnik/id1490853552)

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:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


### NLB Pay

[App page](https://appshunter.io/ios/app/nlb-pay/id1509897528)

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:** Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked 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.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*