Comparison

NLB Pay vs Cash Plus Digital

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

Cash Plus Digital

This app provides a 24/7 digital platform for accessing loan accounts, managing finances, and applying for new loans. It offers features like digital onboarding with eKYC, electronic signatures, and secure messaging for a seamless financial experience.

Highlights
  • Loan account dashboard
  • Digital onboarding with eKYC
  • New loan applications
  • Electronic signature for agreements
  • Secure messaging
  • Multi-factor authentication
Features
Read full description

CashPlus Digital: Your 24/7 Digital Lending Partner Simple, Secure, and Always Online Experience seamless financial management with the CashPlus Digital app, the ultimate digital platform for accessing your loan accounts anytime, anywhere. Whether you're a customer or a non-customer, the CashPlus Digital app offers a suite of features designed to make your financial life easier. Key Features for Customers: Dashboard • Instantly view your total loans and their current status. • Monitor your total loan debts at a glance. • Keep track of future debts. Digital Onboarding • Register online with ease. • Perform eKYC and identity verification through dynamic selfie. • Upload personal ID documents and extract data through OCR. Loans • Apply for new loans with ease. • Review detailed loan payment plans. • Quickly view your loan account balances. Electronic Signature • Access and review your loan agreements. • Conduct secure electronic signatures compliant with eIDAS standards. • Safely store your electronic signatures within the app. Exclusive Features • User personal information • Secure Messaging (including document attachment) • Security & Login settings (Change of Credentials, Register/Unregister Devices, Management of Registered Devices) Security Your security is our top priority. The CashPlus Digital app employs multi-factor authentication using the latest cryptographic methods to protect your transactions. Experience a robust and transparent security system combined with Face ID for seamless authentication. Available in Two Languages • English • Albanian Download the CashPlus Digital app today for a user-friendly, secure, and efficient financial management experience. Join thousands of satisfied users who have taken control of their finances with ease and confidence.

Screenshots

NLB Pay3 screens
Cash Plus Digital4 screens

Verdict

The call

The clearest difference is rating: NLB Pay at 4.5 against Cash Plus Digital's 3.0. NLB Pay also leads on ratings volume (75 vs 3). 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, 4.5 against 3.0. That said, the two scores are not equally well evidenced: NLB Pay has 75 ratings behind it against 3, so its average is the more settled of the two.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on October 29, 2026 and October 14, 2026 respectively.

Scorecard2 real differences · 8 level
NLB Pay versus Cash Plus Digital: the parameters behind the verdict, then further details
ParameterNLB PayCash Plus Digital
PriceFreeFree
Rating4.5 (75 ratings) — better3.0 (3 ratings)
Positive reviews45.0% of reviews—
Number of ratings75 — better3
Update frequencyEvery 2 monthsEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.015.0
Further details — not scored
Size80 MB39 MB
Age rating4+17+
DeveloperNLB d.d.Cash Plus SH.A.

Customer experience

NLB Pay

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

Cash Plus Digital

All ratings3 ratings
Positive66.7%
Neutral0.0%
Negative33.3%

In-app purchases

None

NLB Pay

No in-app purchases

None

Cash Plus Digital

No in-app purchases

Questions

Is NLB Pay free?
NLB Pay is free to download, with no in-app purchases.
Is Cash Plus Digital free?
Cash Plus Digital is free to download, with no in-app purchases.
Which has better reviews, NLB Pay or Cash Plus Digital?
NLB Pay is rated higher. NLB Pay averages 4.5 out of 5 from 75 ratings, while Cash Plus Digital averages 3.0 from 3 ratings.
Do NLB Pay or Cash Plus Digital have ads?
Neither NLB Pay nor Cash Plus Digital shows ads.
Which is updated more often, NLB Pay or Cash Plus Digital?
NLB Pay ships an update every 2 months, and Cash Plus Digital every 2 months. Most recently, NLB Pay was updated on October 29, 2026 and Cash Plus Digital on October 14, 2026.

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