Comparison

NLB Pay vs Metro Bank Authenticator

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

Head to head
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 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 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 …

About

Metro Bank Authenticator

This app provides a secure and convenient way for Metro Bank Business customers to authenticate online banking actions. It replaces the need for a physical security device, allowing for quick verification of logins, payments, and account changes directly from your mobile.

Highlights
  • Authenticate online banking actions
  • Secure login verification
  • Approve new payment setups
  • Confirm account changes
  • Replaces physical security devices
  • Convenient mobile authentication
Features
Read full description

We believe that people come first, and that everyone deserves a great experience every step of the way – whether it’s on our app, online or face to face. We’re here to make your life (and your banking) easier, which is why we’ve created our Authenticator app for our Metro Bank Business customers. Need some help? Our Local Business Managers and Relationship Managers are on hand to support you and your business. Features: You can use this app to authenticate certain actions on your Metro Bank Business online banking, like logging in, setting up new payments, or making changes to your account. It only takes a few taps – and there’s no need to worry about finding your physical security device. Metro Bank’s Authenticator app is available for customers registered for Commercial Online Banking and Business Online Plus. Standard data charges from your mobile service provider may apply. Help and support: If you experience any issues downloading or registering the Metro Bank Authenticator app, please visit us in store or call us on 0345 08 08 500. Metro Bank PLC. Registered in England and Wales. Company number: 6419578. Registered office: One Southampton Row, London, WC1B 5HA. We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Metro Bank PLC is an independent UK Bank - it is not affiliated with any other bank or organisation (including the METRO newspaper or its publishers) anywhere in the world. "Metrobank" is the registered trademark of Metro Bank PLC. more

Screenshots

NLB Pay3 screens
Metro Bank Authenticator3 screens

Verdict

The call

The clearest difference is review sentiment: NLB Pay at 45% against Metro Bank Authenticator's 0%. NLB Pay also leads on update cadence (every 2 months vs every 12 months). On price, ads, in-app purchases and monetization model 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.

UpkeepUpdate frequency

NLB Pay ships an update every 2 months, Metro Bank Authenticator every 12 months. Both last shipped on November 3, 2026.

Scorecard2 real differences · 8 level
NLB Pay versus Metro Bank Authenticator: the parameters behind the verdict, then further details
ParameterNLB PayMetro Bank Authenticator
PriceFreeFree
Rating4.5 (75 ratings) — better—
Positive reviews45.0% of reviews — better0.0% of reviews
Number of ratings75 — better—
Update frequencyEvery 2 months — betterEvery 12 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.014.0 — better
Further details — not scored
Size80 MB12 MB
Age rating4+4+
DeveloperNLB d.d.MetroBank

Customer experience

NLB Pay

All ratings75 ratings
Positive85.3%
Neutral4.0%
Negative10.7%
Written reviews20 reviews
Positive45.0%
Neutral5.0%
Negative50.0%

Metro Bank Authenticator

Written reviews20 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

NLB Pay

No in-app purchases

None

Metro Bank Authenticator

No in-app purchases

Questions

Is NLB Pay free?
NLB Pay is free to download, with no in-app purchases.
Is Metro Bank Authenticator free?
Metro Bank Authenticator is free to download, with no in-app purchases.
Do NLB Pay or Metro Bank Authenticator have ads?
Neither NLB Pay nor Metro Bank Authenticator shows ads.
Which is updated more often, NLB Pay or Metro Bank Authenticator?
NLB Pay ships an update every 2 months, and Metro Bank Authenticator every 12 months. Most recently, NLB Pay was updated on November 3, 2026 and Metro Bank Authenticator on November 3, 2026.

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