# BILnet vs Payconiq

The clearest difference is rating: BILnet at 4.6 against Payconiq's 1.0. BILnet also leads on review sentiment (50% vs 11%) and ratings volume (148 vs 1). Payconiq's advantage is iOS requirement (13.0 vs 16.6). On price, ads, 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.

BILnet holds the better App Store score, 4.6 against 1.0. That said, the two scores are not equally well evidenced: BILnet has 148 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 50% of BILnet's written reviews are positive against 11% of Payconiq's.

BILnet ships an update every 3 weeks, Payconiq every 4 months. The most recent releases landed on September 23, 2026 and September 12, 2026 respectively.

## The numbers

| Metric | BILnet | Payconiq |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (148 ratings)](https://appshunter.io/ios/app/bilnet/id455960649/reviews)** | [1.0 (1 ratings)](https://appshunter.io/ios/app/payconiq-bgl-bnp-paribas/id965192532/reviews) |
| Number of ratings | **148** | 1 |
| Positive reviews | **50.0% of reviews** | 11.1% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 4 months |
| Monetization | Free | Free |
| Size | 148 MB | 43 MB |
| Requires iOS | 16.6 | **13.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Banque Internationale a Luxembourg](https://appshunter.io/developer/455960652) | [BGL BNP Paribas](https://appshunter.io/developer/347819442) |

## What reviewers say

### BILnet

[App page](https://appshunter.io/ios/app/bilnet/id455960649)

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.

**Highlights:** 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

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

**In-app purchases:** none


### Payconiq

[App page](https://appshunter.io/ios/app/payconiq-bgl-bnp-paribas/id965192532)

This app allows for fast, secure, and free mobile payments in stores, for bills, and online. It also enables sending, receiving, and requesting money between phone numbers, linked directly to your bank account.

**Highlights:** In-store payments via QR codes, Bill payments with QR codes, Send, receive, and request money, Online and in-app purchases, Bank-grade security, Set custom payment limits

**In-app purchases:** none


## Frequently asked questions

### Is BILnet free?

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

### Is Payconiq free?

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

### Which has better reviews, BILnet or Payconiq?

BILnet is rated higher. BILnet averages 4.6 out of 5 from 148 ratings, while Payconiq averages 1.0 from 1 ratings.

### Do BILnet or Payconiq have ads?

Neither BILnet nor Payconiq shows ads.

### Which is updated more often, BILnet or Payconiq?

BILnet ships an update every 3 weeks, and Payconiq every 4 months. Most recently, BILnet was updated on September 23, 2026 and Payconiq on September 12, 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.*