# ING Netherlands vs PAY.APP

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.

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

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.

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.

## The numbers

| Metric | ING Netherlands | PAY.APP |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (4.9K ratings)](https://appshunter.io/ios/app/ing-netherlands/id474495017/reviews)** | [4.0 (2 ratings)](https://appshunter.io/ios/app/payapp/id780382491/reviews) |
| Number of ratings | **4.9K** | 2 |
| Positive reviews | 59.7% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 5 weeks |
| Monetization | Free with in-app purchases | **Free** |
| Size | 257 MB | 81 MB |
| Requires iOS | **16.0** | 18.0 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [ING](https://appshunter.io/developer/358382956) | [TinTel BV](https://appshunter.io/developer/1475898158) |

## What reviewers say

### ING Netherlands

[App page](https://appshunter.io/ios/app/ing-netherlands/id474495017)

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:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy to use
- 🔒 Secure banking
- 👍 Convenient features
- 🚀 Fast and efficient
- 👍 Excellent app

**What reviewers complain about**

- 🐛 App crashes or doesn't load
- 🐛 Activation/setup issues
- 🐛 Compatibility problems
- 🐛 Unreliable performance
- 🔒 Overly complex security

**Reported bugs**

- 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**

- 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

[App page](https://appshunter.io/ios/app/payapp/id780382491)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


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