# Mobile Banking UniCredit vs BT Pay

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.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

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.

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

## The numbers

| Metric | Mobile Banking UniCredit | BT Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (3.2K ratings)](https://appshunter.io/ios/app/mobile-banking-unicredit/id396670008/reviews) | **[4.8 (2.1K ratings)](https://appshunter.io/ios/app/bt-pay/id1326751685/reviews)** |
| Number of ratings | **3.2K** | 2.1K |
| Positive reviews | **44.8% of reviews** | 36.6% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Fortnightly** |
| Monetization | Free | Free |
| Size | 381 MB | 439 MB |
| Requires iOS | **16.0** | 17.0 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [UniCredit](https://appshunter.io/developer/396670011) | [Banca Transilvania](https://appshunter.io/developer/409783345) |

## What reviewers say

### Mobile Banking UniCredit

[App page](https://appshunter.io/ios/app/mobile-banking-unicredit/id396670008)

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:** Apple Wallet, iMessage stickers

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

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

**Requested features**

- 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

[App page](https://appshunter.io/ios/app/bt-pay/id1326751685)

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:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- 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**

- 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


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*