Comparison

NLB Pay vs Erste mBiz

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 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 …

About

Erste mBiz

Manage your business banking needs on the go with this mobile application. Access account information, make payments, handle invoices, and communicate with your bank securely and efficiently.

Highlights
  • Account balance and transaction overview
  • Domestic and international payment creation
  • eInvoice management
  • IPS QR code payments
  • Multi-factor authentication (PIN, fingerprint, face ID)
  • Payment template creation
  • Branch and ATM locator
Features
Read full description

SRB: Erste mBiz - Aplikacija za mobilno bankarstvo na dohvat ruke Erste mBiz aplikacija je savršen alat za preduzetnike i mala i srednja preduzeća koja žele da obavljaju bankarske poslove brzo, jednostavno i sigurno, bez obzira na to gde se nalaze. Aplikacija je dizajnirana tako da vam omogućava 24/7 pristup svim potrebnim informacijama i funkcijama, uz jednostavnu navigaciju i inovativan dizajn. Erste mBiz aplikacija Vam omogućava: • Uvid u stanje i promet: Pratite detaljan pregled svih vaših transakcija, računa, kreditnih kartica, depozita i inostranih priliva na jednom mestu. • Plaćanje domaćim i inostranim nalogom: Kreirajte naloge za plaćanje brzo i jednostavno, uz mogućnost plaćanja sa unapred definisanim valutiranjem. • eFakture: Sve fakture na jednom mestu – kreirajte, pratite, šaljite i plaćajte, bilo kroz SEF ili van njega. • Inovativni načini plaćanja: Plaćajte putem IPS QR koda, brz i siguran način za obavljanje plaćanja skeniranjem koda sa vašeg uređaja. • Autentifikacija na više načina: Za sigurno potpisivanje naloga koristite PIN, otisak prsta ili prepoznavanje lica, sve u skladu sa vašim preferencijama. • Kreiranje šablona za plaćanje: Jednostavno sačuvajte često korišćene naloge i ponovo ih koristite bez ponovnog unosa podataka. • Pregled izvršenih naloga: Brzo proverite istoriju transakcija i preuzmite izvod za vaše transakcione račune. • Dvosmerna komunikacija sa bankom: Pošaljite upit i informišite se o dodatnim uslugama i proizvodima direktno iz aplikacije. • Pretraga filijala i bankomata: Lokator vam pomaže da brzo pronađete najbližu filijalu ili bankomat Erste Banke. Kako postati korisnik Erste mBiz aplikacije? Ako ste već klijent Erste Banke i koristite eBiz uslugu, možete aktivirati mBiz aplikaciju putem eBiz servisa, bez potrebe za odlaskom u banku. Aktivirajte aplikaciju putem opcije zahtevi, dobićete registracioni i aktivacioni kod i postavite četvorocifreni PIN/Otisak prsta ili prepoznavanje lica za dalji pristup. Nakon toga, aplikacija je spremna za korišćenje. ENG: Erste mBiz - Mobile Banking at Your Fingertips The Erste mBiz app is the perfect tool for entrepreneurs, small and medium-sized businesses who want to manage their banking quickly, easily, and securely, no matter where they are. The app is designed to give you 24/7 access to all the information and features you need, with simple navigation and an innovative design. What Erste mBiz lets you do: • View balances and transactions: Track a detailed overview of all your accounts, credit cards, deposits and international transfers in one place. • Make domestic and international payments: Create payment orders quickly and easily, with the option to pre-set the exchange rate. • eInvoices: All invoices in one place – create, track, send, and pay, via SEF or outside it. • Innovative payment methods: Use IPS QR code features, a fast and secure way to complete transactions by scanning a code with your device. • Multiple authentication methods: Securely sign transactions using your PIN, fingerprint or facial recognition, depending on your preferred authentication method. • Create payment templates: Save frequently used payment orders and reuse them without re-entering information. • Check past transactions: Quickly review transaction history and download statements for your accounts. • Two-way communication with the bank: Send inquiries and get information about additional services and products directly from the app. • Locate branches and ATMs: Use the locator to quickly find the nearest Erste Bank branch or ATM. How to become an Erste mBiz user? If you're already an Erste Bank customer and use eBiz services, you can activate the mBiz app yourself through the eBiz web application, no need to visit the bank. Simply activate the app via the request option, receive your activation and registration codes, and set up a PIN, fingerprint, or facial recognition for secure access. Once activated, you're ready to start using the app.

Screenshots

NLB Pay3 screens
Erste mBiz4 screens

Verdict

The call

The clearest difference is review sentiment: NLB Pay at 42% against Erste mBiz's 0%. NLB Pay also leads on rating (4.4 vs 4.0) and update cadence (every 2 months vs every 4 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.

ReceptionRating · Positive reviews · Number of ratings

NLB Pay holds the better App Store score, 4.4 against 4.0. That said, the two scores are not equally well evidenced: NLB Pay has 73 ratings behind it against 8, so its average is the more settled of the two. Written reviews point the same way: 42% of NLB Pay's written reviews are positive against 0% of Erste mBiz's.

UpkeepUpdate frequency

NLB Pay ships an update every 2 months, Erste mBiz every 4 months. The most recent releases landed on September 5, 2026 and September 17, 2026 respectively.

Scorecard4 real differences · 6 level
NLB Pay versus Erste mBiz: the parameters behind the verdict, then further details
ParameterNLB PayErste mBiz
PriceFreeFree
Rating4.4 (73 ratings) — better4.0 (8 ratings)
Positive reviews42.1% of reviews — better0.0% of reviews
Number of ratings73 — better8
Update frequencyEvery 2 months — betterEvery 4 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPod — betteriPhone
Requires iOS15.0 — better16.0
Further details — not scored
Size80 MB53 MB
Age rating4+4+
DeveloperNLB d.d.Erste Bank Serbia

Customer experience

NLB Pay

All ratings73 ratings
Positive84.9%
Neutral4.1%
Negative11.0%
Written reviews19 reviews
Positive42.1%
Neutral5.3%
Negative52.6%

Erste mBiz

All ratings8 ratings
Positive75.0%
Neutral0.0%
Negative25.0%
Written reviews2 reviews
Positive0.0%
Neutral50.0%
Negative50.0%

In-app purchases

None

NLB Pay

No in-app purchases

None

Erste mBiz

No in-app purchases

Questions

Is NLB Pay free?
NLB Pay is free to download, with no in-app purchases.
Is Erste mBiz free?
Erste mBiz is free to download, with no in-app purchases.
Which has better reviews, NLB Pay or Erste mBiz?
NLB Pay is rated higher. NLB Pay averages 4.4 out of 5 from 73 ratings, while Erste mBiz averages 4.0 from 8 ratings.
Do NLB Pay or Erste mBiz have ads?
Neither NLB Pay nor Erste mBiz shows ads.
Which is updated more often, NLB Pay or Erste mBiz?
NLB Pay ships an update every 2 months, and Erste mBiz every 4 months. Most recently, NLB Pay was updated on September 5, 2026 and Erste mBiz on September 17, 2026.

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