Comparison

ING HomeBank vs TR Pay

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

ING HomeBank

Manage your finances from anywhere with this intuitive banking app. Open accounts, apply for loans, make payments, and track investments all from your smartphone. Enjoy secure access with biometric login and receive instant notifications for all transactions.

Highlights
  • Open online current accounts
  • Apply for loans and credit cards
  • Manage term deposits and savings
  • Issue virtual cards for mobile payments
  • Invest in mutual funds
  • Receive cashback offers
  • Biometric login and trusted device authentication
Features
Read full description

At ING we believe your bank must be simple and intuitive, our life being complex enough. It is not only about the money, but also about the freedom of accessing them securely, wherever you are. - You can open your online current account, if you are Romanian citizen, of minimum 18 years old, you have a permanent address in Romania and have a valid identity card - You may have a joint account for family expenses - Your kid also can get a current account and card, with you permanently in control. - You can access instant personal needs loans, credit cards and overdrafts. - You can simulate the eligible amount for your mortgage loan. - You protect your loved ones with life, health, or salary insurance. - You can access term deposits and savings accounts. - You can issue virtual cards and instant add them to Apple Pay, Garmin Pay - You can invest in mutual funds. - You can use FX at better rates. All financial chores become simple with Home'Bank, with an intuitive interface, fast access and well thought functions which are meant to help you. You are in full control of your money, directly on the phone which will become a trusted device: - You can authenticate without SMS code once the device is registered as trusted. - You have the option of simple logging on, with fingerprint or facial authentication. - You pay faster using only your password. - You receive push notifications for 3D secure payments authorisation, also for all the operations from your current accounts. - Do not forget to activate geolocation. It helps us detect fraudulent activity initiated from foreign geographic areas in Home’Bank. You decide where you shop! You can access offers from over 100 partners in Bazar, from which you will receive cash-back. You have plenty of payment options: - Alias Pay: payments based on the phone number only. - You can pay with the phone. You don’t need a physical wallet, you pay with Apple Pay - Paying your invoices, with Scan&Pay option, you can pay your invoices just by scanning them with your phone camera. - Online instant payments: RON Transfers to other banks in Romania are instant, including invoice payments or to other suppliers, if their bank is enrolled in the instant payment program. - Payment requests: You can send payment requests to friends from your phonebook. They receive a payment notification in Home’Bank. Still not convinced? More details here: https://ing.ro/lp/onboarding The application is available in Romanian language and uses cookies. By using the application, you express your consent for cookies usage. You can read more about cookies, here https://www.ing.ro/ing-in-romania/informatii-utile/termeni-si-conditii/cookies ING Home'Bank is more than a banking app – it is your dashboard for your money. Why choose ING? Because it is simple. Fast. Thought out for you. Every detail exists to make your life easy, while you have more time for what’s most important to you.

About

TR Pay

Features
Read full description

Send money today! It's easy, fast and secure. A Romanian success story for global money transfers, founded by Romanian professionals with Anglo-Saxon capital, ensuring safe and efficient money transfer services featuring cutting-edge technology, essential and outstanding services with a customer-center focus and approach. • 2300+ CEC Bank branches and ATMs • 2000+ certified bank representatives • 16 million+ money transfers processed As we wish you warm greetings from our community, we are also excited to present the exclusive advantages you have as a member of Transfer Rapid: • You can transfer money to Romania; • You can transfer money online in EUR, GBP, USD or RON; • You can transfer up to 5.000 EUR (or equivalent in GBP, USD or RON); • Enjoy advantageous fees and exchange rates with no hidden costs; • Securely save your card details for quick payments; • Save payment templates for your loved ones and easily manage your transfer history; • Receive SMS and notifications when your loved ones have collected the money in Romania; • In Romania, the Beneficiaries of your transfers can pick up cash in over 2.000 payment points or have it directly deposited into their bank account; • Receive personalized offers, created especially for you; • Accumulate points with every transfer and participate in prize draws. We know how hard you work for your money, and we will work just as hard to ensure that your money is received securely and promptly. Transfer Rapid is a licensed, authorized, and regulated Payment Institution by the UK’s Financial Conduct Authority (FCA) and by the National Bank of Romania. Since its inception, Transfer Rapid has developed a successful partnership with CEC Bank, the Romanian bank with the longest tradition and the most extensive network in Romania, pursuing a common goal of offering customers efficient and secure services and products. Love for family has a new name: Transfer Rapid

Screenshots

ING HomeBank4 screens
TR Pay4 screens

Verdict

The call

The clearest difference is ads: TR Pay at none against ING HomeBank's shown. On price, update cadence, 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

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

ING HomeBank ships an update every 3 weeks, TR Pay every 4 weeks. Both last shipped on November 8, 2026.

Scorecard1 real difference · 9 level
ING HomeBank versus TR Pay: the parameters behind the verdict, then further details
ParameterING HomeBankTR Pay
PriceFreeFree
Rating4.7 (729 ratings) — better—
Positive reviews52.2% of reviews—
Number of ratings729 — better—
Update frequencyEvery 3 weeks — betterEvery 4 weeks
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchases—
DevicesiPhone, iPadiPhone, iPad
Requires iOS16.0 — better17.0
Further details — not scored
Size297 MB32 MB
Age rating9+17+
DeveloperING BANK N.V. AMSTERDAM - SUCURSALA BUCURESTITRANSFER RAPID ELECTRONIC SRL

Bugs and requests

ING HomeBank

Reported bugs

3 issues
  • Login screen issues
  • Blank screens and unresponsive sections
  • Problems with Face ID and fingerprint authentication

Requested features

4 requests
  • Dark mode option
  • Support for older devices
  • Remote account access for customers abroad
  • Improved stability and performance

TR Pay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

ING HomeBank

No in-app purchases

None

TR Pay

No in-app purchases

Questions

Is ING HomeBank free?
ING HomeBank is free to download, with no in-app purchases.
Is TR Pay free?
TR Pay is free to download, with no in-app purchases.
Do ING HomeBank or TR Pay have ads?
ING HomeBank shows ads; TR Pay does not.
Which is updated more often, ING HomeBank or TR Pay?
ING HomeBank ships an update every 3 weeks, and TR Pay every 4 weeks. Most recently, ING HomeBank was updated on November 8, 2026 and TR Pay on November 8, 2026.

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