# Mobile Banking UniCredit vs BNL

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.

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. The most recent releases landed on November 6, 2026 and November 1, 2026 respectively.

## The numbers

| Metric | Mobile Banking UniCredit | BNL |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (3.2K ratings)](https://appshunter.io/ios/app/mobile-banking-unicredit/id396670008/reviews)** | [3.3 (44 ratings)](https://appshunter.io/ios/app/bnl/id578969149/reviews) |
| Number of ratings | **3.2K** | 44 |
| Positive reviews | **44.8% of reviews** | 16.0% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Monthly | **Fortnightly** |
| Monetization | Free | Free |
| Size | 382 MB | 596 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [UniCredit](https://appshunter.io/developer/396670011) | [BNL S.p.A.](https://appshunter.io/developer/406992053) |

## What reviewers say

### Mobile Banking UniCredit

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

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.

**Highlights:** Account and card management, Transaction monitoring, Expense organization, Branch and ATM locator, Mobile payments and transfers, Biometric authentication

**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


### BNL

[App page](https://appshunter.io/ios/app/bnl/id578969149)

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.

**Highlights:** Account and card management, Instant SEPA transfers, Bill payments via camera, Mobile and prepaid card top-ups, View total asset portfolio, Access bank documents

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- ✨ Beautiful interface
- 🚀 Fast and efficient
- 👍 Intuitive design
- 👍 Well-made app

**What reviewers complain about**

- 🐛 Unreliable and inconsistent
- 🐛 Difficult to navigate
- 🐛 Not user-friendly
- 🐛 Inaccessible abroad
- 🐛 Poor design

**Reported bugs**

- 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

**Requested features**

- 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


## Frequently asked questions

### Is Mobile Banking UniCredit free?

Mobile Banking UniCredit is free to download, with no in-app purchases.

### Is BNL free?

BNL is free to download, with no in-app purchases.

### Which has better reviews, Mobile Banking UniCredit or BNL?

Mobile Banking UniCredit is rated higher. Mobile Banking UniCredit averages 4.7 out of 5 from 3.2K ratings, while BNL averages 3.3 from 44 ratings.

### Do Mobile Banking UniCredit or BNL have ads?

BNL shows ads; Mobile Banking UniCredit does not.

### Which is updated more often, Mobile Banking UniCredit or BNL?

Mobile Banking UniCredit ships an update monthly, and BNL fortnightly. Most recently, Mobile Banking UniCredit was updated on November 6, 2026 and BNL on November 1, 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.*