S vs Raiffeisen Payconiq
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
S
Manage your bank accounts and credit cards on the go. Execute payments, send secure messages, and locate ATMs. You can also simulate loan options and access your banking documents.
- View account and credit card transactions
- Execute Eurotransferts
- Send secure messages
- Locate branches and ATMs
- Simulate personal and mortgage loans
- PIN-login for fast access
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S-Net Mobile, the Banque et Caisse d’Epargne de l’Etat, Luxembourg (Spuerkeess)’s free mobile banking app allows you to: • view the transactions on your accounts and credit cards, • execute payments (Eurotransferts), • send secure messages to the Spuerkeess and access your received mail and documents, • find a Spuerkeess branch or S-BANK ATM, • simulate your personal or mortgage loan. Furthermore, the PIN-login allows an even faster access to your daily banking operations.
Raiffeisen Payconiq
Send money internationally to contacts or any mobile number in Luxembourg, Belgium, and the Netherlands. Pay bills, shops, restaurants, and online by scanning QR codes. Payments are debited from your chosen Raiffeisen current account.
- International money transfers
- Payment requests to contacts
- QR code bill payments
- In-store and online QR payments
- Debit from Raiffeisen current account
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With the Raiffeisen Payconiq application, make international payments in Luxembourg, Belgium and the Netherlands. You can send money and make payment requests to your contacts or to any mobile phone number. You can also pay your bills, pay in shops, restaurants and online by scanning QR codes. Your payments are then debited to the Raiffeisen current account of your choice. To use the application, all you need is a Raiffeisen current account and the LuxTrust product that you usually use to connect to your R-Net online bank. Then follow the instructions in the Raiffeisen Payconiq application, it's quick and easy!
Screenshots
Verdict
The clearest difference is review sentiment: S at 30% against Raiffeisen Payconiq's 0%. S also leads on update cadence (every 5 weeks vs every 5 months). On price, ads, in-app purchases and monetization model 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
S ships an update every 5 weeks, Raiffeisen Payconiq every 5 months. The most recent releases landed on September 17, 2026 and June 1, 2026 respectively.
| Parameter | S | Raiffeisen Payconiq |
|---|---|---|
| Price | Free | Free |
| Rating | 3.0 (2 ratings) — better | — |
| Positive reviews | 30.4% of reviews — better | 0.0% of reviews |
| Number of ratings | 2 — better | — |
| Update frequency | Every 5 weeks — better | Every 5 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 14.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 376 MB | 43 MB |
| Age rating | 4+ | 4+ |
| Developer | BCEE | Banque Raiffeisen s.c. |
Customer experience
S
Raiffeisen Payconiq
In-app purchases
S
No in-app purchases
Raiffeisen Payconiq
No in-app purchases
