# Citadele Bank vs Jool Pay

The clearest difference is ratings volume: Citadele Bank at 124 against Jool Pay's 1. Jool Pay's advantage is iOS requirement (15.1 vs 17.0). On price, rating, update cadence and ads there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.9 for Citadele Bank against 5.0 for Jool Pay. That said, the two scores are not equally well evidenced: Citadele Bank has 124 ratings behind it against 1, so its average is the more settled of the two.

Citadele Bank ships an update every 2 months, Jool Pay monthly. The most recent releases landed on October 16, 2026 and October 7, 2026 respectively.

## The numbers

| Metric | Citadele Bank | Jool Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.9 (124 ratings)](https://appshunter.io/ios/app/citadele-bank/id495139240/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/jool-pay/id1668861657/reviews)** |
| Number of ratings | **124** | 1 |
| Positive reviews | 33.3% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Monthly** |
| Monetization | Free | Free |
| Size | 377 MB | 41 MB |
| Requires iOS | 17.0 | **15.1** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Citadele Banka AS](https://appshunter.io/developer/495139243) | [Jool Pay](https://appshunter.io/developer/1668861659) |

## What reviewers say

### Citadele Bank

[App page](https://appshunter.io/ios/app/citadele-bank/id495139240)

Manage your daily banking needs conveniently from your mobile device. Open an account in minutes, choose from various card options with benefits like free transfers, cash withdrawals, and insurance. Authorize payments with biometrics, block/unblock cards, and change PINs.

**Highlights:** Open account in 7 minutes, Choose from smart, supreme, and prime cards, Free transfers and ATM withdrawals worldwide, Purchase and travel insurance, Biometric payment authorization, Block/unblock cards and change PINs, Make payments up to EUR 10,000

**Features:** Apple Wallet

**In-app purchases:** none


### Jool Pay

[App page](https://appshunter.io/ios/app/jool-pay/id1668861657)

This app streamlines cashless tipping for hospitality staff, allowing customers to easily send tips via QR code. Businesses benefit from a free, smart tip collection platform, while staff receive instant e-wallet transfers.

**Highlights:** Cashless tipping for staff, QR code payment integration, Instant e-wallet transfers, Free for businesses, Smart tip collection, User-friendly interface

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Citadele Bank free?

Citadele Bank is free to download, with no in-app purchases.

### Is Jool Pay free?

Jool Pay is free to download, with no in-app purchases.

### Which has better reviews, Citadele Bank or Jool Pay?

Jool Pay is rated higher. Citadele Bank averages 4.9 out of 5 from 124 ratings, while Jool Pay averages 5.0 from 1 ratings.

### Do Citadele Bank or Jool Pay have ads?

Neither Citadele Bank nor Jool Pay shows ads.

### Which is updated more often, Citadele Bank or Jool Pay?

Citadele Bank ships an update every 2 months, and Jool Pay monthly. Most recently, Citadele Bank was updated on October 16, 2026 and Jool Pay on October 7, 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.*