# My ING vs BIL Payconiq

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.

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.

## The numbers

| Metric | My ING | BIL Payconiq |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.3 (6 ratings)](https://appshunter.io/ios/app/my-ing/id470511301/reviews)** | [2.0 (4 ratings)](https://appshunter.io/ios/app/bil-payconiq/id830569595/reviews) |
| Number of ratings | **6** | 4 |
| Positive reviews | 0.0% of reviews | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 4 months | **Every 2 months** |
| Monetization | Ad-supported | **Free** |
| Size | 3 MB | 43 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [ING Luxembourg S.A.](https://appshunter.io/developer/470511304) | [Banque Internationale a Luxembourg](https://appshunter.io/developer/455960652) |

## What reviewers say

### My ING

[App page](https://appshunter.io/ios/app/my-ing/id470511301)

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.

**Highlights:** Mobile banking, Secure e-banking, Perform transactions, Account management, Available in French and English

**In-app purchases:** none


### BIL Payconiq

[App page](https://appshunter.io/ios/app/bil-payconiq/id830569595)

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.

**Highlights:** In-store payments, Bill payments, Send/request money via phone number, Bank account linked, Fingerprint/PIN security, Transaction history

**In-app purchases:** none


## Frequently asked questions

### Is My ING free?

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

### Is BIL Payconiq free?

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

### Which has better reviews, My ING or BIL Payconiq?

My ING is rated higher. My ING averages 2.3 out of 5 from 6 ratings, while BIL Payconiq averages 2.0 from 4 ratings.

### Do My ING or BIL Payconiq have ads?

My ING shows ads; BIL Payconiq does not.

### Which is updated more often, My ING or BIL Payconiq?

My ING ships an update every 4 months, and BIL Payconiq every 2 months. Most recently, My ING was updated on July 4, 2026 and BIL Payconiq on June 1, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*