Comparison

MyBIAT vs NUMO Pay

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

MyBIAT

Securely manage your bank accounts, cards, and transactions. This app offers intuitive access to your financial products, including credit simulators and bill payments. Stay informed with real-time updates and personalized notifications.

Highlights
  • Secure login with email, password, PassCode, or biometrics
  • View account details, transactions, and statements
  • Manage credit and debit cards, including activation/deactivation
  • Perform and track wire transfers
  • Order checkbooks and track status
  • Credit simulator and bill payment services
Features
Read full description

MyBIAT est une application conçue en partant des besoins et des retours de nos clients. Hautement sécurisée et dotée d’un design simple et intuitif, MyBIAT est une application innovante qui offre à son utilisateur une expérience digitale unique. Elle sera continuellement améliorée avec de nouvelles fonctionnalités et des adaptations inspirées par nos clients et par les avancées technologiques.

Les fonctionnalités de MyBIAT sont comme suit :

 Accès à MyBIAT :
 -Un accès rapide et sécurisé à l’application, après la définition de vos coordonnées d’accès, par biométrie ou par un PassCode de 6 chiffres. 
 Suivi de vos produits :

 -Consultation de vos comptes, des transactions réalisées, des documents y afférents (relevé de compte, avis de débit/crédit…)
 -Consultation de vos crédits, de vos produits Projets Avenir, de vos placements, de vos produits titres ainsi que de vos comptes AVA. -Téléchargement des attestations de régularisation fiscale relatives à votre Projet Avenir

 Gestion des cartes : 

 -Consultation de la liste des cartes, des transactions réalisées, des avantages offerts et téléchargement de l’attestation d’assurance voyage pour les cartes éligibles
 -Désactivation et activation immédiate des cartes
 -Chargement des cartes prépayées BIAT en TND et en DVS -Modification du plafond hebdomadaire 
 Virements :

 -Virement simple, planifié pour une occurrence donnée ou bien programmé sur une période, sécurisé en dinars et en devises, avec validation par code SMS ou par validation biométrique
 -Suivi des virements réalisés
 -Gestion des bénéficiaires: Validation sécurisée de l’ajout des bénéficiaires 
 Gestion de chéquiers : 
-Commande et suivi des chéquiers -Association RIB au compte TuniChèque 
 Consultation des comptes des enfants   Autres services :

 -Simulateur de crédit -Simulation assurance vie PA -Marketplace BIAT Privilèges pour les services extra-bancaires -Catégorisation des dépenses par carte et création gestion de budget -Paiement des frais de scolarité -Module d’assistance avec historique des messages envoyés et reçus de la part de la BIAT
 -Recharge téléphonique
 -Paiement des factures STEG et SONEDE et recharge des abonnements Tunisie Autoroutes -Gestion des notifications push

About

NUMO Pay

This mobile payment app allows you to securely store your bank cards on your smartphone. Use it to shop at merchants with NUMO Pay POS devices, enjoying faster, more private transactions. Manage your cards, check balances, and view transaction history.

Highlights
  • Store bank cards securely
  • Fast and easy mobile payments
  • Enhanced privacy and security
  • Check card balance and transaction history
  • Activate/deactivate cards
  • Accepts all bank cards
Features
Read full description

نموباي: نمو باي هي طريقة الدفع المثالية عن طريق الهاتف النقال، حيت يمكنك تطبيق نمو باي من حفظ جميع بطاقاتك المصرفية على هاتفك الذكي واستخدام التطبيق للتسوق من المحلات والأسواق التي توفر أجهزة نقاط بيع شبكة نمو، مع المحافظة على كافة معلوماتك وبياناتك المصرفية بشكل آمن داخل التطبيق خلال عملية الدفع، كما يوفر التطبيق العديد من المزايا أهمها: • أسرع وأسهل من استخدام البطاقات المصرفية أو النقود. • يوفر الخصوصية والأمان. • يمكنك من معرفة رصيد البطاقة المصرفية وسجل الحركات السابقة على البطاقة. • يمكنك بالتحكم في البطاقة المصرفية (تفعيل / الغاء تفعيل). • يقبل جميع البطاقات المصرفية. • يمكنك من الدفع لدى كل المتاجر المحلية التي تملك أجهزة نقاط بيع شبكة نمو أو تطبيق نمو بزنس.

Screenshots

MyBIAT4 screens
NUMO Pay4 screens

Verdict

The call

The clearest difference is rating: NUMO Pay at 3.3 against MyBIAT's 3.0. On price, review sentiment, ratings volume and update cadence 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

NUMO Pay holds the better App Store score, 3.3 against 3.0. Both are backed by a comparable volume of ratings — 141 and 93 respectively. Written reviews complicate that: 24% of MyBIAT's written reviews are positive against 18% of NUMO Pay's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 5 weeks. The most recent releases landed on October 27, 2026 and October 24, 2026 respectively.

Scorecard1 real difference · 9 level
MyBIAT versus NUMO Pay: the parameters behind the verdict, then further details
ParameterMyBIATNUMO Pay
PriceFreeFree
Rating3.0 (141 ratings)3.3 (93 ratings) — better
Positive reviews24.2% of reviews — better17.9% of reviews
Number of ratings141 — better93
Update frequencyEvery 5 weeksEvery 5 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.0 — better15.6
Further details — not scored
Size286 MB97 MB
Age rating4+4+
DeveloperBIATMoamalat Financial Services

Customer experience

MyBIAT

All ratings137 ratings
Positive46.0%
Neutral10.9%
Negative43.1%
Written reviews132 reviews
Positive24.2%
Neutral12.1%
Negative63.6%

NUMO Pay

All ratings85 ratings
Positive52.9%
Neutral12.9%
Negative34.1%
Written reviews39 reviews
Positive17.9%
Neutral17.9%
Negative64.1%

User reviews

MyBIAT

From 141 App Store ratings

What we love

  • 👍 Convenient for sending money
  • 👍 Good overall experience reported
  • 👍 App is improving
  • 👍 User-friendly and intuitive
  • 👍 Better than the old app

Room to improve

  • 🐛 App crashes frequently
  • 🐛 Slow performance
  • 🐛 Login issues
  • 🐛 Authentication problems
  • 🐛 Cannot load funds to card

NUMO Pay

From 93 App Store ratings

What we love

  • 👍 Good for electronic payments in Libya
  • 👍 Easy and simple to use
  • 👍 Can add multiple cards
  • 👍 Good and comfortable app
  • 👍 Quality leap

Room to improve

  • 🐛 Registration not working
  • 🐛 App is not functioning
  • 🐛 App needs fixing
  • 🐛 Useless app
  • 🐛 App crashes when scanning QR code

Bugs and requests

MyBIAT

Reported bugs

41 issues
  • App has been down for months
  • SMS authentication not received
  • App won't open
  • App stuck in loading page
  • Biometric access is disabled
Show 36 more
  • Cannot subscribe
  • Error when loading funds to card ('too many decimals')
  • Error when loading funds to card ('special characters not allowed')
  • New version prevents loading funds on card
  • Incorrect phone number error during registration
  • Mobile app password not synced with web app
  • Incompatible with iPhone 15
  • App crashes during transfer operation
  • App crashes when searching for an operation
  • Cannot recharge technological card
  • Cannot recharge prepaid card
  • Cannot recharge international Visa card
  • Cannot access account
  • Error on selected account during transfer
  • Transfer amount limited to 1000dt
  • Internal transfer not working
  • Cannot access app, 'an issue has occurred'
  • Cannot change password
  • Remaining credit amount disappears
  • Cannot sign up, not receiving code
  • Cannot find account after login
  • App crashes on iOS 13
  • Authentication bug on iPhone 12
  • Settings button not accessible
  • Profile section bugs
  • Cannot edit recipient list
  • No transfer follow-up menu
  • App database seems disconnected from main bank database
  • Login credentials different from website
  • Code sent by email not received
  • Account locked message without reason
  • App crushes once clicked
  • App doesn't open
  • Validation SMS too slow, timeout too short
  • Cannot access settings
  • Bug on iPhone 6s with iOS 15.7 for code validation

Requested features

14 requests
  • Add authentication by email
  • Add NFC payment
  • Add Apple Pay
  • Allow modification of card limits
  • Add mobile payment
Show 9 more
  • Add option to request a checkbook
  • Add option to contact account manager
  • Display account currency
  • Add international transfer (SWIFT and IBAN)
  • Add Face ID/Touch ID for authentication
  • Add notification for received money
  • Add password reset for web application
  • Add option to change phone number in app
  • Add biometric login support (fingerprint)

NUMO Pay

Reported bugs

24 issues
  • Registration is not working
  • Couldn't register local cards or bank accounts
  • Verification message added via SMS and app password
  • Purchase transaction takes long
  • SMS messages not received quickly
Show 19 more
  • New Rakaz card not activating
  • Purchase history deleted after last update
  • QR code scanning causes app crash
  • QR code scanning causes app crash
  • Problem with last update: card names duplicated
  • Card activation/deactivation feature not working
  • Cannot add Republic card if it's the second card
  • Cannot delete added card
  • Cannot delete account
  • App requires only 16 digits for card, but new Republic cards have 19
  • Cannot add Al-Waha or Al-Aman cards
  • Cannot add another card
  • Cannot add Republic card
  • Cannot delete expired card
  • Card number incorrect error
  • Transaction history not showing
  • North Africa Bank card not activated
  • North Trade card shows incorrect number
  • Cannot verify some banks

Requested features

11 requests
  • Add NFC for iPhone
  • Add NFC for iPhones
  • Add NFC for iPhones
  • Add NFC for iPhones
  • Develop the program to accept chip cards
Show 6 more
  • Add fingerprint authentication instead of OTP
  • Add feature to activate/deactivate online purchases
  • Add feature to activate/deactivate online purchases
  • Add option to reset password
  • Add card to wallet app
  • Add virtual card issuance

In-app purchases

None

MyBIAT

No in-app purchases

None

NUMO Pay

No in-app purchases

Questions

Is MyBIAT free?
MyBIAT is free to download, with no in-app purchases.
Is NUMO Pay free?
NUMO Pay is free to download, with no in-app purchases.
Which has better reviews, MyBIAT or NUMO Pay?
NUMO Pay is rated higher. MyBIAT averages 3.0 out of 5 from 141 ratings, while NUMO Pay averages 3.3 from 93 ratings.
Do MyBIAT or NUMO Pay have ads?
Neither MyBIAT nor NUMO Pay shows ads.
Which is updated more often, MyBIAT or NUMO Pay?
MyBIAT ships an update every 5 weeks, and NUMO Pay every 5 weeks. Most recently, MyBIAT was updated on October 27, 2026 and NUMO Pay on October 24, 2026.

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