Comparison

BOV 3D Secure vs Nuran Pay

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

Head to head
About

BOV 3D Secure

Secure your online purchases with a Bank of Valletta debit or credit card. Enroll your card once and authenticate transactions via passcode or fingerprint. Handles situations with no internet reception by using QR codes.

Highlights
  • Online purchase authentication
  • Card enrollment
  • Passcode authentication
  • Biometric (fingerprint) authentication
  • QR code authentication for offline use
  • Push notifications for transactions
Features
Read full description

The BOV 3D Secure app is downloadable to smart devices and will enable the user to effect online purchases with a Bank of Valletta debit or credit card. The app is simple to use: The first step is to download the BOV 3D Secure app and install it on your smart device You will then need to enrol the Bank of Valletta debit or credit card that you will use to effect online purchases. This is a one time process since once you enrol one card all your Bank of Valletta cards, that may be used for online purchases will be automatically enrolled to the 3D Secure app. During the enrolment process you will set an authentication passcode that will be used to authenticate you online purchases via the app - alternatively you can choose to set up biometric authentication by means of fingerprint, if your device supports the feature. Once the one-time enrolment process is complete, you are set to start shopping online: When checking out purchases over a certain amount, at certain merchants, the payment screen will ask you to authenticate the purchase; Simultaneously you will receive a push notification on your smart device which will prompt you to access the BOV 3D Secure app to authenticate the transaction either by passcode (established during enrollment) or biometrically, by means of your fingerprint. The app will then advise that authentication is successful and you will be able to tap the "proceed" button on the payment screen to complete your purchase. If you are in an area of no reception, or your device is not connected to an internet/data service, the payment screen will prompt you to scan a QR Code which will automatically launch the BOV 3D Secure app on your phone and following authentication a 6 digit code will be displayed. This code is to be inserted in the designated field on the payment screen. Following that simply tap the "proceed" button on the payment screen to complete your purchase. Important information Bank of Valletta will not contact you because you are using the app. So please stay alert to emails, text messages or phone calls that appear to be from us. Criminals may try to trick you into giving them sensitive personal or account information. Any suspicious communications or transactions should always be reported to Bank of Valletta immediately by calling the number on the reverse of your card, thus enabling immediate remedial action to be taken as necessary.

About

Nuran Pay

Manage your electronic banking with ease and security. This super app allows you to check account balances, make fast transfers, and control your cards. It simplifies your financial journey with convenient features for everyday banking needs.

Highlights
  • Inquire account and card information
  • Manage card status (on/off, block)
  • Change local card PIN
  • Transfer money between accounts
  • Change app password
Features
Read full description

Nuran Pay is a super app designed to complement your lifestyle by making your electronic banking Journey easy without compromising your security. You can use it to inquire about your balance, make simple, fast and secure transfer anytime, anywhere, and much more. The key advantages of using Nuran Pay are: 1. Inquire about all Accounts & Cards info, balances, and movements with different display options. 2. Manage all your local and international Cards status with one click, (turn card off/on /Block card), change Pin of local cards only. 3. Transfer money between different Nuran accounts. 4. The ability to change your NuranPay APP password. How to start using Nuran Pay. 1. Install Nuran Pay on your mobile device 2. Register using your Internet Banking Account credentials. We always strive to improve our service, and are keen to hear about your Nuran Pay APP experience. Please send your feedback to Nuranapp@nub.ly so we can benefit from your suggestions and make improvements to our Service. Download Nuran APP today and improve your Journey with Nuran Bank. For more information, please visit https://nub.ly/

Screenshots

BOV 3D Secure4 screens
Nuran Pay4 screens

Verdict

The call

The clearest difference is rating: Nuran Pay at 1.7 against BOV 3D Secure's 1.0. Nuran Pay also leads on update cadence (every 3 months vs every 28 months) and ratings volume (57 vs 2). BOV 3D Secure's advantage is device support (3 vs 1) and iOS requirement (12.0 vs 16.6). On price, review sentiment, 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

Nuran Pay holds the better App Store score, 1.7 against 1.0. That said, the two scores are not equally well evidenced: Nuran Pay has 57 ratings behind it against 2, so its average is the more settled of the two. Written reviews split almost evenly too, at 0% and 0% positive.

UpkeepUpdate frequency

BOV 3D Secure ships an update every 28 months, Nuran Pay every 3 months. Both last shipped on November 3, 2026.

Scorecard5 real differences · 5 level
BOV 3D Secure versus Nuran Pay: the parameters behind the verdict, then further details
ParameterBOV 3D SecureNuran Pay
PriceFreeFree
Rating1.0 (2 ratings)1.7 (57 ratings) — better
Positive reviews0.0% of reviews0.0% of reviews
Number of ratings257 — better
Update frequencyEvery 28 monthsEvery 3 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS12.0 — better16.6
Further details — not scored
Size51 MB99 MB
Age rating4+4+
DeveloperBank of Valletta p.l.c.NuranBank

Customer experience

BOV 3D Secure

All ratings1 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews19 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Nuran Pay

All ratings56 ratings
Positive16.1%
Neutral3.6%
Negative80.4%
Written reviews14 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

BOV 3D Secure

No in-app purchases

None

Nuran Pay

No in-app purchases

Questions

Is BOV 3D Secure free?
BOV 3D Secure is free to download, with no in-app purchases.
Is Nuran Pay free?
Nuran Pay is free to download, with no in-app purchases.
Which has better reviews, BOV 3D Secure or Nuran Pay?
Nuran Pay is rated higher. BOV 3D Secure averages 1.0 out of 5 from 2 ratings, while Nuran Pay averages 1.7 from 57 ratings.
Do BOV 3D Secure or Nuran Pay have ads?
Neither BOV 3D Secure nor Nuran Pay shows ads.
Which is updated more often, BOV 3D Secure or Nuran Pay?
BOV 3D Secure ships an update every 28 months, and Nuran Pay every 3 months. Most recently, BOV 3D Secure was updated on November 3, 2026 and Nuran Pay on November 3, 2026.

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