My ING vs BIL Payconiq
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
My ING
Manage your bank accounts and perform transactions securely from your phone or tablet. This mobile banking app offers e-banking features in French and English, allowing for convenient financial management on the go.
- Mobile banking
- Secure e-banking
- Perform transactions
- Account management
- Available in French and English
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With the ING Mobile banking application, you have your bank always at hand ! Taking all the features of your secure e-banking “My ING” account, this application allows you to easily perform all your banking transactions via your phone or tablet. The application is available in 2 languages: French and English. Please do not hesitate to share your suggestions with us, so that we can continue to improve the app.
BIL Payconiq
Make quick, secure payments in Luxembourg, Belgium, and the Netherlands. Send or request money using just a phone number, pay bills, and complete in-store purchases. Transactions are linked to your bank account and secured with fingerprint or PIN.
- In-store payments
- Bill payments
- Send/request money via phone number
- Bank account linked
- Fingerprint/PIN security
- Transaction history
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BIL PAYCONIQ MOBILE PAYMENTS: QUICK, CONVENIENT, SECURE AND FREE Pay with the BIL Payconiq app in Luxembourg, Belgium and the Netherlands. The app lets you make in-store purchases, pay your bills, and even send or request money with nothing more than a phone number! The BIL Payconiq app is easy, quick and convenient; payments are transacted between bank accounts. Proof of payment (debit advice) is available for each transaction carried out with BIL Payconiq on BILnet, your online banking app. ------- *** A BANKING PAYMENT APP BIL Payconiq is linked to your mobile number and your bank account. Bank security levels apply: all payments are authorised by fingerprint identification or secret code/PIN. You can set your own limits on BILnet, according to your preferences (EUR 2,500 by default). Transfers are carried out by SEPA payment (funds available the next business day). *** FAST ACTIVATION To use the BIL Payconiq app, all you have to do is link it to your bank account(s). Launch the app and you’ll be guided through the process.
Screenshots
Verdict
The clearest difference is ads: BIL Payconiq at none against My ING's shown. BIL Payconiq also leads on monetization model (free vs ad-supported) and update cadence (every 2 months vs every 4 months). My ING's advantage is rating (2.3 vs 2.0). On price, review sentiment, ratings volume and in-app purchases 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.
My ING holds the better App Store score, 2.3 against 2.0. Both are backed by a comparable volume of ratings — 6 and 4 respectively. Written reviews split almost evenly too, at 0% and 0% positive.
My ING ships an update every 4 months, BIL Payconiq every 2 months. The most recent releases landed on July 4, 2026 and June 1, 2026 respectively.
| Parameter | My ING | BIL Payconiq |
|---|---|---|
| Price | Free | Free |
| Rating | 2.3 (6 ratings) — better | 2.0 (4 ratings) |
| Positive reviews | 0.0% of reviews | 0.0% of reviews |
| Number of ratings | 6 — better | 4 |
| Update frequency | Every 4 months | Every 2 months — better |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 3 MB | 43 MB |
| Age rating | 4+ | 4+ |
| Developer | ING Luxembourg S.A. | Banque Internationale a Luxembourg |
Customer experience
My ING
BIL Payconiq
In-app purchases
My ING
No in-app purchases
BIL Payconiq
No in-app purchases
