# NLB Pay vs Smart Nova Mobile

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.

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.

## The numbers

| Metric | NLB Pay | Smart Nova Mobile |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (73 ratings)](https://appshunter.io/ios/app/nlb-pay/id1509897528/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/smart-nova-mobile/id6746182379/reviews)** |
| Number of ratings | **73** | 2 |
| Positive reviews | 45.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | Every 2 months |
| Monetization | Free | Free |
| Size | 80 MB | 122 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [NLB d.d.](https://appshunter.io/developer/1478872160) | [NOVA BANKA a.d. Banja Luka](https://appshunter.io/developer/1544923221) |

## 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


### Smart Nova Mobile

[App page](https://appshunter.io/ios/app/smart-nova-mobile/id6746182379)

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.

**Highlights:** Account access, Domestic and international payments, Internal fund transfers, Bill payment, Card limit management, Recurring payment setup, mToken for payment authorization

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is NLB Pay free?

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

### Is Smart Nova Mobile free?

Smart Nova Mobile is free to download, with no in-app purchases.

### Which has better reviews, NLB Pay or Smart Nova Mobile?

Smart Nova Mobile is rated higher. NLB Pay averages 4.4 out of 5 from 73 ratings, while Smart Nova Mobile averages 5.0 from 2 ratings.

### Do NLB Pay or Smart Nova Mobile have ads?

Neither NLB Pay nor Smart Nova Mobile shows ads.

### Which is updated more often, NLB Pay or Smart Nova Mobile?

NLB Pay ships an update every 2 months, and Smart Nova Mobile every 2 months. Most recently, NLB Pay was updated on October 16, 2026 and Smart Nova Mobile on October 9, 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.*