# NLB Pay vs Swinto

NLB Pay and Swinto both sit at 4.4 stars, but that hides the real split: 100% of Swinto's written reviews are positive against 45% of NLB Pay's. Swinto also leads on update cadence (every 2 weeks vs every 2 months). NLB Pay's advantage is ads (none vs shown) and monetization model (free vs ad-supported). On price, rating, in-app purchases and device support there is nothing between them.

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

Swinto holds the better App Store score, 4.6 against 4.4. Both are backed by a comparable volume of ratings — 73 and 18 respectively. Written reviews point the same way: 45% of NLB Pay's written reviews are positive against 100% of Swinto's.

NLB Pay ships an update every 2 months, Swinto every 2 weeks. The most recent releases landed on October 16, 2026 and October 7, 2026 respectively.

## The numbers

| Metric | NLB Pay | Swinto |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (73 ratings)](https://appshunter.io/ios/app/nlb-pay/id1509897528/reviews) | **[4.6 (18 ratings)](https://appshunter.io/ios/app/swinto/id1593659577/reviews)** |
| Number of ratings | **73** | 18 |
| Positive reviews | 45.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 2 months | **Every 2 weeks** |
| Monetization | **Free** | Ad-supported |
| Size | 80 MB | 141 MB |
| Requires iOS | **15.0** | 26.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [NLB d.d.](https://appshunter.io/developer/1478872160) | [Swinto SHA](https://appshunter.io/developer/1896233442) |

## What reviewers say

### 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


### Swinto

[App page](https://appshunter.io/ios/app/swinto/id1593659577)

Manage your money effortlessly with instant, free transfers and payments. This app offers currency conversion, QR code payments, and cash withdrawal options. Businesses can also manage finances, pay salaries, and integrate with ERP systems.

**Highlights:** Instant, free transfers, QR code payments, Currency conversion, Cash withdrawals, Subscription management, Business finance tools, ERP integration

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is NLB Pay free?

NLB Pay is free to download, with no in-app purchases.

### Is Swinto free?

Swinto is free to download, with no in-app purchases.

### Which has better reviews, NLB Pay or Swinto?

Swinto is rated higher. NLB Pay averages 4.4 out of 5 from 73 ratings, while Swinto averages 4.6 from 18 ratings.

### Do NLB Pay or Swinto have ads?

Swinto shows ads; NLB Pay does not.

### Which is updated more often, NLB Pay or Swinto?

NLB Pay ships an update every 2 months, and Swinto every 2 weeks. Most recently, NLB Pay was updated on October 16, 2026 and Swinto on October 7, 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.*