# BNL vs TelepassPayX

The clearest difference is rating: TelepassPayX at 4.2 against BNL's 3.3. TelepassPayX also leads on review sentiment (52% vs 16%) and ads (none vs shown). BNL's advantage is monetization model (free vs free with in-app purchases). On price, ratings volume, update cadence 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.

TelepassPayX holds the better App Store score, 4.2 against 3.3. Both are backed by a comparable volume of ratings — 44 and 19 respectively. Written reviews point the same way: 16% of BNL's written reviews are positive against 52% of TelepassPayX's.

BNL ships an update fortnightly, TelepassPayX every 3 weeks. The most recent releases landed on September 25, 2026 and September 29, 2026 respectively.

## The numbers

| Metric | BNL | TelepassPayX |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.3 (44 ratings)](https://appshunter.io/ios/app/bnl/id578969149/reviews) | **[4.2 (19 ratings)](https://appshunter.io/ios/app/telepasspayx/id1413129283/reviews)** |
| Number of ratings | **44** | 19 |
| Positive reviews | 16.0% of reviews | **51.9% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Fortnightly** | Every 3 weeks |
| Monetization | **Free** | Free with in-app purchases |
| Size | 600 MB | 789 MB |
| Requires iOS | **15.0** | 15.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Banca Nazionale del Lavoro S.p.A.](https://appshunter.io/developer/406992053) | [Telepass Pay](https://appshunter.io/developer/1260513505) |

## What reviewers say

### BNL

[App page](https://appshunter.io/ios/app/bnl/id578969149)

Manage your bank accounts and cards with ease through a redesigned, intuitive mobile interface. Perform instant transfers, pay bills using your camera, and view your total financial assets. Secure access with FaceID simplifies daily financial tasks.

**Highlights:** Account and card management, Instant SEPA transfers, Bill payments via camera, Mobile and prepaid card top-ups, View total asset portfolio, Access bank documents

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


### TelepassPayX

[App page](https://appshunter.io/ios/app/telepasspayx/id1413129283)

This app integrates payments for tolls, parking, fuel, and public transport with a prepaid card for online and in-store purchases. It also offers vehicle maintenance reminders, insurance quotes, and access to shared mobility services and train tickets.

**Highlights:** Pay tolls and parking fees, Purchase fuel and train tickets, Manage vehicle insurance and maintenance reminders, Access shared mobility services (bikes, scooters), Prepaid card for online and in-store purchases, Automatic payment for Milan's Area C

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is BNL free?

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

### Is TelepassPayX free?

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

### Which has better reviews, BNL or TelepassPayX?

TelepassPayX is rated higher. BNL averages 3.3 out of 5 from 44 ratings, while TelepassPayX averages 4.2 from 19 ratings.

### Do BNL or TelepassPayX have ads?

BNL shows ads; TelepassPayX does not.

### Which is updated more often, BNL or TelepassPayX?

BNL ships an update fortnightly, and TelepassPayX every 3 weeks. Most recently, BNL was updated on September 25, 2026 and TelepassPayX on September 29, 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.*