Comparison

ING Netherlands vs PAY.APP

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

Head to head
About

ING Netherlands

Manage your personal or business finances on the go. Easily check balances, make transfers, pay bills, and even open new accounts. The app offers secure banking features and tools for saving, borrowing, investing, and managing credit cards and insurance.

Highlights
  • Mobile order confirmation
  • Simple transfers and savings scheduling
  • Payment requests
  • Future transaction overview
  • Customizable daily limits
  • Account management (pay, save, borrow, invest)
  • Card blocking and address changes
  • Open new accounts
Features
Read full description

With the ING App, your bank is always with you. A quick balance check, transfer to your savings or paying a bill: the app does it all. For personal and business accounts in the Netherlands. Lots of tools and features: • You can confirm orders with your mobile. • Super simple transfers, withdrawal overview and scheduling of savings orders. • Paid for your friends? Create a payment request and get your money back. • If you want to, you can look ahead 35 days and see your future transactions. • The app has its own daily limit, which you can set and change. • It’s all there: you can pay, save, borrow, invest, get a credit card and even view your ING insurances. • Want to fix something quickly? Like blocking your card or changing your address? Just do it in the app, it’s easy as pie. • Don’t have an ING account yet? Open one in the app. Are my details safe and secure in the app? Yes, your banking is done via a secured connection. No personal details are stored on your phone or tablet. If you always use the latest version of the app, you enjoy optimal security and the latest features. Activation only takes a moment You don’t need much to activate the app. Just a Dutch current account at ING, access to My ING and a valid identity document. This can be a passport, an ID card from the EU, an ID card for foreign nationals, a Dutch residence permit or a driver’s license. Please note: Dutch legislation is applicable to accounts and other products from ING

About

PAY.APP

Accept online payments like iDeal, credit cards, and more. This app provides a mobile solution for users to manage their online payment processing. It aims to make online transactions secure, simple, and seamless for everyone.

Highlights
  • Accept iDeal payments
  • Accept credit card payments
  • Mobile payment provider
  • Secure online transactions
  • Seamless payment processing
Features
Read full description

Met Pay kunt u iDeal, creditcard en overige online betalingen accepteren. Middels deze app bieden wij Pay.nl betalingen voor mobiele gebruikers. Samen met onze klanten zorgen wij ervoor dat online betaalverkeer voor nu en in de toekomst veilig, simpel en vlekkeloos verloopt en hier zijn wij bijzonder trots op!", het team van Pay.nl Door het ruime dienstenaanbod is de klantenkring van Pay.nl erg divers. Wij maken ‘veilig en snel online betalen zonder gedoe’ voor iedereen bereikbaar. Of het nu gaat om een webshop, website met betaalde content of downloads. Met het complete aanbod aan betaaloplossingen, kunnen wij ondernemers met een internationaal bereik ook van dienst zijn.

Screenshots

ING Netherlands4 screens
PAY.APP4 screens

Verdict

The call

The clearest difference is rating: ING Netherlands at 4.8 against PAY.APP's 4.0. ING Netherlands also leads on ratings volume (4.9K vs 2) and update cadence (fortnightly vs every 5 weeks). PAY.APP's advantage is monetization model (free vs free with in-app purchases). On price, 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

ING Netherlands holds the better App Store score, 4.8 against 4.0. That said, the two scores are not equally well evidenced: ING Netherlands has 4.9K ratings behind it against 2, so its average is the more settled of the two.

UpkeepUpdate frequency

ING Netherlands ships an update fortnightly, PAY.APP every 5 weeks. The most recent releases landed on October 1, 2026 and September 19, 2026 respectively.

Scorecard5 real differences · 5 level
ING Netherlands versus PAY.APP: the parameters behind the verdict, then further details
ParameterING NetherlandsPAY.APP
PriceFreeFree
Rating4.8 (4.9K ratings) — better4.0 (2 ratings)
Positive reviews59.7% of reviews—
Number of ratings4.9K — better2
Update frequencyFortnightly — betterEvery 5 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPadiPhone, iPad
Requires iOS16.0 — better18.0
Further details — not scored
Size257 MB81 MB
Age rating4+4+
DeveloperINGTinTel BV

Customer experience

ING Netherlands

All ratings4,935 ratings
Positive95.1%
Neutral2.3%
Negative2.6%
Written reviews139 reviews
Positive59.7%
Neutral2.9%
Negative37.4%

PAY.APP

All ratings2 ratings
Positive50.0%
Neutral50.0%
Negative0.0%

Bugs and requests

ING Netherlands

Reported bugs

5 issues
  • Camera not working for ID verification
  • Frequent crashes or freezes
  • Inability to log in or access account
  • Syncing issues between devices
  • Outdated or incompatible with new devices

Requested features

5 requests
  • Add English language support
  • Improve ID verification process
  • Expand country/region availability
  • Integrate with mobile wallets (e.g. Apple Pay)
  • Provide more customization options

PAY.APP

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

ING Netherlands

No in-app purchases

None

PAY.APP

No in-app purchases

Questions

Is ING Netherlands free?
ING Netherlands is free to download, with no in-app purchases.
Is PAY.APP free?
PAY.APP is free to download, with no in-app purchases.
Which has better reviews, ING Netherlands or PAY.APP?
ING Netherlands is rated higher. ING Netherlands averages 4.8 out of 5 from 4.9K ratings, while PAY.APP averages 4.0 from 2 ratings.
Do ING Netherlands or PAY.APP have ads?
Neither ING Netherlands nor PAY.APP shows ads.
Which is updated more often, ING Netherlands or PAY.APP?
ING Netherlands ships an update fortnightly, and PAY.APP every 5 weeks. Most recently, ING Netherlands was updated on October 1, 2026 and PAY.APP on September 19, 2026.

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