NLB Pay vs MF banka
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 …
MF banka
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MF Bank – MF 2 GO is a modern and secure mobile banking app that gives you full control over your finances anytime, anywhere. Whether you’re at home, at work, or abroad, MF 2 GO lets you access your accounts, make payments, and manage your money 24/7. Key features: 24/7 availability – perform banking services at any time Secure login – biometric authentication (fingerprint), PIN, and scramble keyboard for enhanced security Domestic and international payments – pay bills and transfer money in local and foreign currencies Statements and reports – view and download in PDF format ATM and branch locator – find nearest locations with working hours and contact info Payment card management – view card transactions and block card if needed Saved templates and beneficiaries – save time on frequent payments Virtual inbox – receive/send messages from the bank Selfcare options – set preferred account, enable biometrics, and manage app preferences Corporate access – available for business clients as well MF 2 GO is designed for users who expect speed, flexibility, and security in digital banking. Your data is protected with advanced encryption and secure access protocols.
Screenshots
Verdict
NLB Pay and MF banka are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.
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.
NLB Pay ships an update every 2 months, MF banka every 3 months. The most recent releases landed on October 16, 2026 and October 12, 2026 respectively.
| Parameter | NLB Pay | MF banka |
|---|---|---|
| Price | Free | Free |
| Rating | 4.4 (73 ratings) — better | — |
| Positive reviews | 45.0% of reviews | — |
| Number of ratings | 73 — better | — |
| Update frequency | Every 2 months — better | Every 3 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 | 15.0 |
| Further details — not scored | ||
| Size | 80 MB | 79 MB |
| Age rating | 4+ | 4+ |
| Developer | NLB d.d. | "MF banka" a.d. Banja Luka |
In-app purchases
NLB Pay
No in-app purchases
MF banka
No in-app purchases









