NLB Pay vs Smart Nova Mobile
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Contactless payments with NFC
- Instant money transfers via Flik
- Online payment confirmation
- Card security management
- Add loyalty cards
- View transaction history
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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 …
Smart Nova Mobile
This mobile banking app allows clients to conduct financial transactions and manage their accounts 24/7. It facilitates payments, internal transfers, and bill payments, offering secure and convenient banking services. Users can also manage card limits and set up recurring payments.
- Account access
- Domestic and international payments
- Internal fund transfers
- Bill payment
- Card limit management
- Recurring payment setup
- mToken for payment authorization
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Nova banka a.d. Banja Luka omogućava klijentima Banke, fizičkim i pravnim licima ili samostalnim preduzetnicima elektronsku razmjenu informacija sa Bankom putem aplikacije mobilnog bankarstva Smart Nova Mobile. Smart Nova Mobile je dostupna 24/7 na iOS uređajima, uz potrebnu internet konekciju. Funkcionalnosti Smart Nova Mobile: - pristup svim aktivnim računima/partijama - obavljanje plaćanja u unutrašnjem platnom prometu i međunarodnom platnom prometu - interni prenosi sredstava u domaćoj i stranoj valuti, unutar vlastitih računa - uvid u ovlaštene račune - kreiranje šablona za redovna plaćanja - kreiranje trajnih naloga za automatsko izvršenje plaćanja sa izborom periodike - prijem i plaćanje režijskih računa - upravljanje limitima potrošnje platnih kartica - podjela transakcije na rate - upotreba mTokena za potpisivanje predatih naloga za plaćanje Smart Nova Mobile obezbjeđuje jednostavno i sigurno poslovanje sa Bankom, uz znatno niže naknade za realizaciju plaćanja.
Screenshots
Verdict
The clearest difference is rating: Smart Nova Mobile at 5.0 against NLB Pay's 4.4. NLB Pay's advantage is ratings volume (73 vs 2). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Smart Nova Mobile holds the better App Store score, 5.0 against 4.4. 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.
Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on October 16, 2026 and October 9, 2026 respectively.
| Parameter | NLB Pay | Smart Nova Mobile |
|---|---|---|
| Price | Free | Free |
| Rating | 4.4 (73 ratings) | 5.0 (2 ratings) — better |
| Positive reviews | 45.0% of reviews | — |
| Number of ratings | 73 — better | 2 |
| Update frequency | Every 2 months | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 | 15.0 |
| Further details — not scored | ||
| Size | 80 MB | 122 MB |
| Age rating | 4+ | 4+ |
| Developer | NLB d.d. | NOVA BANKA a.d. Banja Luka |
Customer experience
NLB Pay
Smart Nova Mobile
In-app purchases
NLB Pay
No in-app purchases
Smart Nova Mobile
No in-app purchases
