Mobile Banking UniCredit vs BNL
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Mobile Banking UniCredit
Manage your finances, make secure transactions, and monitor your accounts with this mobile banking solution. Access account details, cards, loans, and investments, all from your smartphone. It also offers budgeting tools and branch/ATM locators.
- Account and card management
- Transaction monitoring
- Expense organization
- Branch and ATM locator
- Mobile payments and transfers
- Biometric authentication
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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
BNL
Manage your bank accounts and cards with ease through a redesigned, intuitive mobile interface. Perform instant transfers, pay bills using your camera, and view your total financial assets. Secure access with FaceID simplifies daily financial tasks.
- Account and card management
- Instant SEPA transfers
- Bill payments via camera
- Mobile and prepaid card top-ups
- View total asset portfolio
- Access bank documents
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La tua Banca a portata di mano: scopri la nuova app BNL Gestire le tue finanze non è mai stato così semplice e intuitivo. L'app BNL ti offre un controllo completo su conti correnti e carte, con un design rinnovato e un'esperienza utente pensata per la tua quotidianità. Accedi rapidamente con FaceID e inizia a semplificarti la vita. Cosa puoi fare con l'app BNL? • Acquisti e Gestione Carte: Acquista Carta di Credito BNL Classic e Carta Prepagata BNL direttamente in app. Visualizza il plafond di tutte le tue carte, anche quelle condivise. • Pagamenti e Operazioni: Effettua bonifici Italia e SEPA istantanei e ordinari, giroconti, ricariche cellulare e carta prepagata. Paga bollettini postali, anche tramite fotocamera, e MAV/RAV. • Visualizzare il tuo patrimonio complessivo: Se sei in possesso di un Deposito Titoli, puoi visualizzare il tuo patrimonio complessivo, suddiviso per liquidità su conti correnti e capitale investito. • Consulta i documenti inviata dalla Banca, direttamente in app, nella sezione “Doc” Siamo in continua evoluzione per offrirti nuove funzionalità. Non perdere gli aggiornamenti! Per assistenza scrivi a: centro_relazioni_clientela@bnlmail.com La dichiarazione di accessibilità in base a quanto previsto dal DL 76/2020 è presente al seguente indirizzo: https://bnl.it/it/Footer/dichiarazione-di-accessibilita-app
Screenshots
Verdict
The clearest difference is rating: Mobile Banking UniCredit at 4.7 against BNL's 3.3. Mobile Banking UniCredit also leads on ads (none vs shown) and review sentiment (45% vs 16%). On price, update cadence, 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.
Mobile Banking UniCredit holds the better App Store score, 4.7 against 3.3. That said, the two scores are not equally well evidenced: Mobile Banking UniCredit has 3.2K ratings behind it against 44, so its average is the more settled of the two. Written reviews point the same way: 45% of Mobile Banking UniCredit's written reviews are positive against 16% of BNL's.
Mobile Banking UniCredit ships an update monthly, BNL fortnightly. Both last shipped on November 1, 2026.
| Parameter | Mobile Banking UniCredit | BNL |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (3.2K ratings) — better | 3.3 (44 ratings) |
| Positive reviews | 44.8% of reviews — better | 16.0% of reviews |
| Number of ratings | 3.2K — better | 44 |
| Update frequency | Monthly | Fortnightly — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 16.0 | 15.0 — better |
| Further details — not scored | ||
| Size | 382 MB | 596 MB |
| Age rating | 4+ | 4+ |
| Developer | UniCredit | BNL S.p.A. |
Customer experience
Mobile Banking UniCredit
BNL
User reviews
Mobile Banking UniCredit
From 3.2K App Store ratingsWhat 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
BNL
From 44 App Store ratingsWhat we love
- 👍 Easy to use
- ✨ Beautiful interface
- 🚀 Fast and efficient
- 👍 Intuitive design
- 👍 Well-made app
Room to improve
- 🐛 Unreliable and inconsistent
- 🐛 Difficult to navigate
- 🐛 Not user-friendly
- 🐛 Inaccessible abroad
- 🐛 Poor design
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
BNL
Reported bugs
27 issues- App is inaccessible 9/10 times when abroad
- OTP opens 1/10 times, expires quickly
- Mobile token activation fails repeatedly
- Cannot access account online due to token issues
- App does not open after updates
Show 22 moreShow fewer
- System temporarily unavailable error
- Login issues with Touch ID
- Cannot register phone number without logging in
- OTP errors, unclear instructions
- App crashes or freezes
- Inconsistent and unreliable performance
- Security scramble on screen numbers
- Only allows Italian transfers
- Cannot re-submit requests
- Contact page does not open
- SEPA transfer rate not accepted, no explanation
- Trading requires separate app
- Fax required for foreign transfers
- App not working on iPhone 12
- Mobile token activation fails on new phone
- Cannot access account if phone number not registered
- Cannot modify phone number without token
- App not working for 2 weeks
- Customer service claims no app issues
- App does not open after last update
- App does not work in different time zones unless set to Italian time
- App not opening after update
Requested features
11 requests- Add landscape mode for iPad
- Improve visibility of app closing function
- Add foreign transfer option
- Improve OTP reliability and speed
- Allow nickname association with account number
Show 6 moreShow fewer
- Provide language options (e.g., English)
- Allow printing of monthly statements
- Improve online documentation and services
- Enable app usage abroad with any phone number
- Fix time zone issues affecting app functionality
- Allow screenshots of transactions
In-app purchases
Mobile Banking UniCredit
No in-app purchases
BNL
No in-app purchases








