# PAY.APP vs bunq

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.

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

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.

PAY.APP ships an update every 5 weeks, bunq weekly. The most recent releases landed on October 7, 2026 and October 18, 2026 respectively.

## The numbers

| Metric | PAY.APP | bunq |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.0 (2 ratings)](https://appshunter.io/ios/app/payapp/id780382491/reviews) | **[4.4 (1.4K ratings)](https://appshunter.io/ios/app/bunq/id1021178150/reviews)** |
| Number of ratings | 2 | **1.4K** |
| Positive reviews | — | 42.4% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Weekly** |
| Monetization | **Free** | Freemium |
| Size | 81 MB | 468 MB |
| Requires iOS | 18.0 | **16.0** |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [TinTel BV](https://appshunter.io/developer/1475898158) | [bunq](https://appshunter.io/developer/1021178149) |

## What reviewers say

### 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


### bunq

[App page](https://appshunter.io/ios/app/bunq/id1021178150)

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:** macOS Compatibility, Siri integration, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Instant payments
- 💡 Innovative features
- 👍 Easy to use
- 🌍 Great for expats
- 🔒 Secure banking

**What reviewers complain about**

- 🐛 Buggy app
- 🕰️ Slow customer support
- 💰 Expensive fees
- 🤖 Unhelpful AI chatbot
- 🔒 Account freezing issues

**Reported bugs**

- App crashes on login
- Incorrect transaction recording
- Verification issues

**Requested features**

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


## Frequently asked 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 October 7, 2026 and bunq on October 18, 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.*