# BNAPAY vs Paysmart

The clearest difference is rating: BNAPAY at 3.0 against Paysmart's 1.0. BNAPAY also leads on ads (none vs shown) and monetization model (free vs ad-supported). On price, ratings volume, update cadence 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.

BNAPAY holds the better App Store score, 3.0 against 1.0. Both are backed by a comparable volume of ratings — 2 and 2 respectively.

BNAPAY ships an update fortnightly, Paysmart every 2 weeks. The most recent releases landed on October 21, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | BNAPAY | Paysmart |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.0 (2 ratings)](https://appshunter.io/ios/app/bnapay/id1625715421/reviews)** | [1.0 (2 ratings)](https://appshunter.io/ios/app/paysmart/id1668404663/reviews) |
| Number of ratings | 2 | 2 |
| Positive reviews | — | 25.0% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Fortnightly** | Every 2 weeks |
| Monetization | **Free** | Ad-supported |
| Size | 81 MB | 48 MB |
| Requires iOS | **12.0** | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 17+ | 4+ |
| Developer | [BANQUE NAIONALE AGRICOLE(BNA)](https://appshunter.io/developer/1524454607) | [SOCIETE MONETIQUE TUNISIE](https://appshunter.io/developer/1668404665) |

## What reviewers say

### BNAPAY

[App page](https://appshunter.io/ios/app/bnapay/id1625715421)

This finance app allows users to securely check their transaction history and pay merchants at any time, from anywhere. To use its features, you must be registered for the BNAPAY service and have a Tunisian bank card.

**Highlights:** Transaction history consultation, Merchant payments, Secure operations, 24/7 accessibility, BNAPAY service registration

**Features:** macOS Compatibility

**In-app purchases:** none


### Paysmart

[App page](https://appshunter.io/ios/app/paysmart/id1668404663)

Manage and pay your bills digitally with real-time bill viewing and secure online payments. Track your payment history and visualize your spending with a dedicated dashboard. Get support 24/7 for any questions or claims.

**Highlights:** Real-time bill consultation, Automatic favorite bill updates, Secure digital bill payment, Payment history tracking, Spending visualization dashboard, 24/7 support and claims service

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is BNAPAY free?

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

### Is Paysmart free?

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

### Which has better reviews, BNAPAY or Paysmart?

BNAPAY is rated higher. BNAPAY averages 3.0 out of 5 from 2 ratings, while Paysmart averages 1.0 from 2 ratings.

### Do BNAPAY or Paysmart have ads?

Paysmart shows ads; BNAPAY does not.

### Which is updated more often, BNAPAY or Paysmart?

BNAPAY ships an update fortnightly, and Paysmart every 2 weeks. Most recently, BNAPAY was updated on October 21, 2026 and Paysmart on October 30, 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.*