Comparison

PAY.APP vs bunq

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

Head to head
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.

About

bunq

A mobile banking app designed for various life stages, offering easy account opening, wealth management, and budgeting tools. It provides features for everyday banking, business needs, and international lifestyles, with options for investing and cryptocurrency trading.

Highlights
  • Multiple bank accounts
  • Card management
  • Savings accounts and term deposits
  • Stock and ETF investing
  • Cryptocurrency trading
  • Contactless payment acceptance
  • Worldwide travel insurance
Features
Read full description

Say hello to bunq – the mobile bank that's there for you at every chapter of your life! Whether exploring new countries, building your dream business, or managing family life, bunq helps you grow your wealth, spend, and budget effortlessly. Open your account in just 5 minutes and start your 30-day free trial today. Our Plans bunq Free - €0/month Get started with essential banking. • 3 Bank Accounts to get you started • 1 Digital Card with Apple Pay support • Scheduled Payments and AutoAccept for requests • Earn 3.51% interest on USD/GBP savings • Invest in stocks with ease • Buy and sell cryptocurrencies in the EEA • Save up to 90% on roaming costs with an eSIM from bunq Business features: • Accept contactless payments with Tap to Pay • Integration with 50+ bookkeeping tools bunq Core - €3.99/month A bank account for everyday use. All bunq Free benefits, plus: • 5 Bank Accounts for your everyday needs • 1 Physical Card included • Personalize your Physical Card to make it uniquely yours • Shared account access • Add loyalty cards for quick access • Unlimited ZeroFX • 24/7 SOS Hotline for emergencies Business features: • Co-founder access • Shared account access • Bookkeeping integrations bunq Pro - €9.99/month The bank account that makes budgeting easy. All bunq Core benefits, plus: • 25 Bank Accounts for effortless budgeting • 3 Physical Cards and 25 Digital Cards included • Personalized budgeting insights and income organiser • 5 fee-free foreign currency payments per month • Secondary PIN for multiple accounts on one card • 20% discount on stock trading fees • Student offer: pay €0 per month Business features: • Add up to 3 employees • Company Cards (debit or credit) and Tap to Pay access • AutoVAT bunq Elite - €18.99/month The account for your international lifestyle. All bunq Pro benefits, plus: • Worldwide Travel Insurance • 10 fee-free foreign currency payments per month • 8GB worldwide data • 50% discount on stock trading fees Business features: • Add up to 10 employees • 500 fee-free transactions per year Your security = Our priority Boost your bank security with two-factor authentication and 100% control of cards. Your deposits = Fully protected Your money is insured up to €100,000 by the Deposit Guarantee Scheme (DGS). Invest in the bunq app through our partners. Investing involves risks, including potential loss. bunq does not provide trading advice. Manage your investments at your own risk. bunq is authorized by the Dutch Central Bank (DNB). Our US office resides at 401 Park Ave S. New York, NY 10016, USA.

Screenshots

PAY.APP4 screens
bunq4 screens

Verdict

The call

The clearest difference is rating: bunq at 4.4 against PAY.APP's 4.0. bunq also leads on ratings volume (1.4K vs 2) and update cadence (weekly vs every 5 weeks). PAY.APP's advantage is monetization model (free vs freemium). 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

bunq holds the better App Store score, 4.4 against 4.0. That said, the two scores are not equally well evidenced: bunq has 1.4K ratings behind it against 2, so its average is the more settled of the two.

UpkeepUpdate frequency

PAY.APP ships an update every 5 weeks, bunq weekly. The most recent releases landed on September 19, 2026 and October 3, 2026 respectively.

Scorecard5 real differences · 5 level
PAY.APP versus bunq: the parameters behind the verdict, then further details
ParameterPAY.APPbunq
PriceFreeFree
Rating4.0 (2 ratings)4.4 (1.4K ratings) — better
Positive reviews—42.1% of reviews
Number of ratings21.4K — better
Update frequencyEvery 5 weeksWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFreemium
DevicesiPhone, iPadiPhone, iPad
Requires iOS18.016.0 — better
Further details — not scored
Size81 MB472 MB
Age rating4+4+
DeveloperTinTel BVbunq

Customer experience

PAY.APP

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

bunq

All ratings1,394 ratings
Positive85.5%
Neutral2.7%
Negative11.8%
Written reviews259 reviews
Positive42.1%
Neutral5.0%
Negative52.9%

Bugs and requests

PAY.APP

Not enough reviews yet to summarise bugs or requests.

bunq

Reported bugs

3 issues
  • App crashes on login
  • Incorrect transaction recording
  • Verification issues

Requested features

3 requests
  • Bring back previous app design
  • Improve account management features
  • Provide phone-based customer support

In-app purchases

None

PAY.APP

No in-app purchases

None

bunq

No in-app purchases

Questions

Is PAY.APP free?
PAY.APP is free to download, with no in-app purchases.
Is bunq free?
bunq is free to download, with no in-app purchases.
Which has better reviews, PAY.APP or bunq?
bunq is rated higher. PAY.APP averages 4.0 out of 5 from 2 ratings, while bunq averages 4.4 from 1.4K ratings.
Do PAY.APP or bunq have ads?
Neither PAY.APP nor bunq shows ads.
Which is updated more often, PAY.APP or bunq?
PAY.APP ships an update every 5 weeks, and bunq weekly. Most recently, PAY.APP was updated on September 19, 2026 and bunq on October 3, 2026.

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