BILnet vs Flux
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
BILnet
Manage your accounts, make instant payments, and access all your banking documents. This app allows for easy transaction tracking, loan management, and secure communication with your bank.
- Account management and grouping
- Real-time balance and transaction viewing
- Instant SEPA payments
- Loan management and details
- Electronic document access and signing
- Secure messaging with bank
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BILnet: simple, fast, and easy to use. You can perform all of your essential transactions on your mobile! Manage, group, and rename your accounts independently - View your account and credit card balances and transactions in real time - Log in as the account holder or an agent - When you log in to BILnet as an agent, your accounts are now grouped. Tip: to make organising your accounts easier, feel free to rename your accounts and/or change the order in which they are displayed. Free instant payments, made in a few seconds and in just a few clicks! - Your eligible SEPA (single euro payment area) payments are now made instantly, within a few seconds, 24/7, and for free! * - If your instant payment cannot be made, for example if the receiving bank does not accept instant payments, then your payment will be treated as a standard transfer under the relevant time frame. The interface for your transfers and standing orders has been tweaked - Extra fields are now provided when entering details about the beneficiaries of your transfers. From your computer you can set up a standing order directly from the transfer entry screen. Just tick the “Make this a standing order” box. Tip: to avoid making a mistake when you enter your new beneficiary’s IBAN, you can copy/paste it straight into the appropriate field. Better loan management - Your mortgages and your personal, student and investment loans appear in the dedicated “Loan” section of BILnet. These loans now take the form of a contract rather than an account on which movements are recorded. - You can now find additional information about your loans in BILnet, including: o type of loan o amount borrowed/used o current interest rate o next due dates o capital outstanding Find all your electronic documents easily - Download your banking documents in PDF format - Take advantage of the free and environmentally friendly paper-free option so that you no longer receive your documents by post - Sign your documents electronically - All electronic documents are now sorted by date Contact us whenever you need to - Communicate with the bank using secure messaging and share any attachments required Don’t have an account yet? Visit bil.com for more information. The app is available in three languages (FR, DE, EN). *For more information about our tariffs, visit bil.com
Flux
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Bring clarity to your finances with Flux. In a world full of monthly subscriptions, it's easy to lose track of where your money goes. Flux is a modern, privacy-focused subscription manager designed to help you organize your recurring expenses in a beautiful, fluid interface. See Where Your Money Flows unlike boring spreadsheet apps, Flux visualizes your spending. The smart dashboard automatically calculates your monthly and yearly totals, while the interactive charts show you exactly which categories consume your budget. Key Features: • Smart Dashboard: Instantly see your total monthly and yearly projected expenses. • Visual Analytics: Understand your spending habits with dynamic pie charts. • Multi-Currency Support: Track subscriptions in TRY, USD, EUR, GBP, and more. • Customizable Cards: Personalize each subscription with unique colors and icons. • Privacy First: Your data is stored locally on your device using Apple's SwiftData. No sign-in required, no data tracking. • Ad-Free Experience: Enjoy a clean, distraction-free interface. Why Flux? Flux combines powerful financial tracking with a unique "Liquid Glass" design language. It’s not just about saving money; it’s about enjoying the process of organizing your life.. Download Flux today and stop paying for subscriptions you don’t use!
Screenshots
Verdict
The clearest difference is price: BILnet at Free against Flux's $0.99. BILnet also leads on iOS requirement (16.6 vs 26.0). Flux's advantage is update cadence (every 3 days vs every 3 weeks). On ads, in-app purchases and device support 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
BILnet is free to download; Flux costs $0.99 up front. Neither carries in-app purchases, so what you see is what you pay.
BILnet ships an update every 3 weeks, Flux every 3 days. The most recent releases landed on November 6, 2026 and October 28, 2026 respectively.
| Parameter | BILnet | Flux |
|---|---|---|
| Price | Free — better | $0.99 |
| Rating | 4.6 (148 ratings) — better | — |
| Positive reviews | 40.3% of reviews | — |
| Number of ratings | 148 — better | — |
| Update frequency | Every 3 weeks | Every 3 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPad — better | iPhone |
| Requires iOS | 16.6 — better | 26.0 |
| Further details — not scored | ||
| Size | 148 MB | 6 MB |
| Age rating | 4+ | 4+ |
| Developer | Banque Internationale a Luxembourg | Aysen Zaptcioglu |
In-app purchases
BILnet
No in-app purchases
Flux
No in-app purchases









