S vs BIL 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.
BIL Payconiq
Make quick, secure payments in Luxembourg, Belgium, and the Netherlands. Send or request money using just a phone number, pay bills, and complete in-store purchases. Transactions are linked to your bank account and secured with fingerprint or PIN.
- In-store payments
- Bill payments
- Send/request money via phone number
- Bank account linked
- Fingerprint/PIN security
- Transaction history
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BIL PAYCONIQ MOBILE PAYMENTS: QUICK, CONVENIENT, SECURE AND FREE Pay with the BIL Payconiq app in Luxembourg, Belgium and the Netherlands. The app lets you make in-store purchases, pay your bills, and even send or request money with nothing more than a phone number! The BIL Payconiq app is easy, quick and convenient; payments are transacted between bank accounts. Proof of payment (debit advice) is available for each transaction carried out with BIL Payconiq on BILnet, your online banking app. ------- *** A BANKING PAYMENT APP BIL Payconiq is linked to your mobile number and your bank account. Bank security levels apply: all payments are authorised by fingerprint identification or secret code/PIN. You can set your own limits on BILnet, according to your preferences (EUR 2,500 by default). Transfers are carried out by SEPA payment (funds available the next business day). *** FAST ACTIVATION To use the BIL Payconiq app, all you have to do is link it to your bank account(s). Launch the app and you’ll be guided through the process.
Screenshots
Verdict
The clearest difference is rating: S at 3.0 against BIL Payconiq's 2.0. S also leads on review sentiment (30% vs 0%). On price, ratings volume, update cadence and ads 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 holds the better App Store score, 3.0 against 2.0. Both are backed by a comparable volume of ratings — 2 and 4 respectively. Written reviews point the same way: 30% of S's written reviews are positive against 0% of BIL Payconiq's.
S ships an update every 5 weeks, BIL Payconiq every 2 months. The most recent releases landed on September 17, 2026 and June 1, 2026 respectively.
| Parameter | S | BIL Payconiq |
|---|---|---|
| Price | Free | Free |
| Rating | 3.0 (2 ratings) — better | 2.0 (4 ratings) |
| Positive reviews | 30.4% of reviews — better | 0.0% of reviews |
| Number of ratings | 2 | 4 — better |
| Update frequency | Every 5 weeks — better | Every 2 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 Internationale a Luxembourg |
Customer experience
S
BIL Payconiq
In-app purchases
S
No in-app purchases
BIL Payconiq
No in-app purchases
