Comparison

Mobile Banking UniCredit vs BT Pay

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

Head to head
About

Mobile Banking UniCredit

Manage your finances securely and conveniently from your smartphone. View accounts, make transfers, pay bills, and track expenses. You can even open a new account and use biometric login for added security.

Highlights
  • View account balances and transactions
  • Make SEPA and extra SEPA transfers
  • Pay bills and top-up cards
  • Track and organize expenses
  • Biometric login and transaction authorization
  • Find nearby ATMs and branches
  • Open new accounts via smartphone
Features
Read full description

With the UniCredit Mobile Banking App and your smartphone, making transactions is easy, fast and secure. To use the App you must have a UniCredit current account and/or a rechargeable card with IBAN, sign up for the Banca Multicanale Service, download and activate the App. You can activate the App: - by Smartphone: press "Activate", enter your Banca Multicanale Codice di Adesione and PIN and press proceed. - by Banca via Internet: enter your Codice di adesione and PIN, then a one-time password generated by your device, go to "Settings" > "Mobile" > "Smartphone Application" and press proceed. From the new Home Page you can check the relationships linked to the Multi-Channel Banking Service (current accounts, cards, mortgages and loans, securities portfolio and investments), make transactions and monitor your expenses at your convenience. In the Current Accounts section you view all your current accounts and transactions (also with the 'Search' function), share IBAN details and manage your account. In the Cards section you have control of all your UniCredit cards (Credit, Debit, Rechargeable) and can easily manage all available features. With Personal Fainancial Manager and Budget organize your expenses has never been easier. Go to your personal area to upload a new profile photo, read notices and messages from the Bank, access Online Documents, read help and F.A.Q. pages or contact the Bank by telephone or chat. There is also a dedicated Payments section for: - SEPA transfers, extra SEPA transfers, fund transfers - mobile phone and UniCredit prepaid card top-ups - Simplified F24 - pre-printed postal bills, CBILL/PagoPA, blank slips and MAV, RAV, REP payments Find out how to: - set up cash withdrawals on UniCredit ATMs with Prelievo Smart - find the nearest Branch and/or Automatic Teller Machine (ATM) and the route to reach them - generate one-time passwords with Mobile Token - book an appointment at the branch through the UBook function If your Smartphone features a biometric-based recognition technologies, you can access the App and authorise transactions with these recognition tools. For assistance and information visit www.unicredit.it or call UniCredit Customer Service at the toll-free number 800.57.57 (for customers of UniCredit Private Banking branches: 800.710.710). Not a UniCredit Customer? Call the toll-free number 800.32.32.85 or go to www.unicredit.it With the UniCredit Mobile Banking App you can apply to open a UniCredit account using your Smartphone and even identify yourself with a selfie! The UniCredit current account can be requested from Mobile only by Italian residents who are not already holders of a UniCredit current account, card with IBAN and Banca Multicanale and entail signing contracts for the account, the Banca Multicanale Service and the International Debit Card. With this app you can also access information and services at any time not only at the physical UniCredit Branch, but also at the Buddy Branch. Advertising message for promotional purposes. Info and costs in the information documents in the Transparency section at www.unicredit.it Products and Services sold by UniCredit SpA. Accessibility statement: https://unicredit.it/accessibilita-app

About

BT Pay

Send and receive money easily using just a phone number. Manage your bank cards, view transaction history, and access exclusive offers. Integrates with HealthKit for personalized deals based on your activity.

Highlights
  • Send and receive money via phone number
  • Transfer money between your cards
  • View transaction history and card balances
  • Access STAR loyalty points and credit card payment info
  • Receive exclusive STAR partner offers
  • Personalized offers based on HealthKit data
Features
Read full description

Acum poti sa transferi bani în cel mai simplu mod în care ai făcut-o vreodată …cu telefonul! Inregistreaza-te in aplicatia BT Pay, lansata de Banca Transilvania, completand urmatoarele informatii: numarul de telefon, data nasterii si detaliile cardurilor BT pe care le doresti sa fie incluse in aplicatie, in format digital. Ce poti face cu aplicatia BT Pay? Multe: • Trimiti bani catre cine doresti sau poti solicita sa ti se trimita bani cand ai nevoie. Tot ce trebuie sa stii pentru transfer este numarul de telefon al persoanei catre care/de la care este transferul de bani; • Poti transfera bani intre conturile cardurilor tale BT; • Poti vedea istoricul tranzactiilor cardurilor cuprinse in BT Pay si cati bani mai ai pe cardul BT. Daca ai si card de credit BT, poti afla inclusiv sumele lunare de plata si cate puncte de loialitate STAR ai acumulate, pentru a le folosi ulterior la alte cumparaturi. Totul, in timp real; • Primesti in exclusivitate oferte ale partenerilor STAR si ale BT; • BT Pay integreaza HealthKit pentru a-ti oferi oferte personalizate in functie de numarul de pasi facuti, dar numai daca tu oferi acces acestei functionalitati. Bucura-te de experienta BT Pay!

Screenshots

Mobile Banking UniCredit4 screens
BT Pay4 screens

Verdict

The call

The clearest difference is update cadence: BT Pay at fortnightly against Mobile Banking UniCredit's monthly. Mobile Banking UniCredit's advantage is review sentiment (45% vs 37%). On price, rating, ratings volume 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

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

On the App Store both sit at effectively the same score — 4.7 for Mobile Banking UniCredit against 4.8 for BT Pay. Both are backed by a comparable volume of ratings — 3.2K and 2.1K respectively. Written reviews are what separate them: 45% of Mobile Banking UniCredit's written reviews are positive against 37% of BT Pay's.

UpkeepUpdate frequency

Mobile Banking UniCredit ships an update monthly, BT Pay fortnightly. Both last shipped on October 29, 2026.

Scorecard2 real differences · 8 level
Mobile Banking UniCredit versus BT Pay: the parameters behind the verdict, then further details
ParameterMobile Banking UniCreditBT Pay
PriceFreeFree
Rating4.7 (3.2K ratings)4.8 (2.1K ratings) — better
Positive reviews44.8% of reviews — better36.6% of reviews
Number of ratings3.2K — better2.1K
Update frequencyMonthlyFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad — betteriPhone
Requires iOS16.0 — better17.0
Further details — not scored
Size381 MB439 MB
Age rating4+4+
DeveloperUniCreditBanca Transilvania

Customer experience

Mobile Banking UniCredit

All ratings3,163 ratings
Positive92.7%
Neutral2.6%
Negative4.7%
Written reviews154 reviews
Positive44.8%
Neutral7.8%
Negative47.4%

BT Pay

All ratings2,051 ratings
Positive94.9%
Neutral0.9%
Negative4.2%
Written reviews235 reviews
Positive36.6%
Neutral7.2%
Negative56.2%

User reviews

Mobile Banking UniCredit

From 3.2K App Store ratings

What we love

  • 🚀 Easy to use
  • 👍 Straightforward app design
  • 🚀 Fast and responsive
  • 🚀 Convenient banking features
  • 👍 Reliable banking services

Room to improve

  • 🐛 Frequent crashes and technical issues
  • 🔒 Overly complex security measures
  • 🤯 Confusing and illogical UI
  • 🤔 Lack of clarity on PIN requirements
  • 🤬 Poor customer service and support

BT Pay

From 2.1K App Store ratings

What we love

  • 🚀 Smooth and fast
  • 👍 User-friendly interface
  • 💳 Excellent for managing cards and accounts
  • 💳 Convenient payment features

Room to improve

  • 🐛 Frequent crashes and errors
  • 🔒 Restrictive security measures
  • 🔌 Compatibility issues with non-Romanian devices/numbers
  • 🔍 Lacking important features (transaction history, notifications, etc.)

Bugs and requests

Mobile Banking UniCredit

Reported bugs

4 issues
  • Login and activation issues
  • Inability to update contact information
  • Incompatibility with older devices
  • Unreliable payment and transfer features

Requested features

5 requests
  • Improve app stability and reliability
  • Streamline security processes
  • Enhance UI/UX for better usability
  • Provide clear instructions on PIN usage
  • Improve customer support and communication

BT Pay

Reported bugs

4 issues
  • Unable to add/update personal details
  • Payments and transfers often fail or get stuck
  • App freezes during verification steps
  • Inconsistent behavior when switching devices

Requested features

4 requests
  • Add option to manually enter SMS verification codes
  • Improve transaction history and notification features
  • Enable support for non-Romanian users and devices
  • Integrate advanced budgeting and analytics tools

In-app purchases

None

Mobile Banking UniCredit

No in-app purchases

None

BT Pay

No in-app purchases

Questions

Is Mobile Banking UniCredit free?
Mobile Banking UniCredit is free to download, with no in-app purchases.
Is BT Pay free?
BT Pay is free to download, with no in-app purchases.
Which has better reviews, Mobile Banking UniCredit or BT Pay?
BT Pay is rated higher. Mobile Banking UniCredit averages 4.7 out of 5 from 3.2K ratings, while BT Pay averages 4.8 from 2.1K ratings.
Do Mobile Banking UniCredit or BT Pay have ads?
Neither Mobile Banking UniCredit nor BT Pay shows ads.
Which is updated more often, Mobile Banking UniCredit or BT Pay?
Mobile Banking UniCredit ships an update monthly, and BT Pay fortnightly. Most recently, Mobile Banking UniCredit was updated on October 29, 2026 and BT Pay on October 29, 2026.

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