# Web Banking vs Raiffeisen Payconiq

The clearest difference is update cadence: Web Banking at monthly against Raiffeisen Payconiq's every 5 months. Web Banking also leads on review sentiment (11% vs 0%). Raiffeisen Payconiq's advantage is iOS requirement (13.0 vs 16.0). On price, ads, in-app purchases and monetization model there is nothing between them.

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

Web Banking ships an update monthly, Raiffeisen Payconiq every 5 months. The most recent releases landed on August 5, 2026 and June 1, 2026 respectively.

## The numbers

| Metric | Web Banking | Raiffeisen Payconiq |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.3 (10 ratings)](https://appshunter.io/ios/app/web-banking/id781456280/reviews)** | — |
| Number of ratings | **10** | — |
| Positive reviews | **11.1% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 5 months |
| Monetization | Free | Free |
| Size | 128 MB | 43 MB |
| Requires iOS | 16.0 | **13.0** |
| Devices | **iPhone, iPad, Apple Watch** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [BGL BNP Paribas](https://appshunter.io/developer/347819442) | [Banque Raiffeisen s.c.](https://appshunter.io/developer/853048558) |

## What reviewers say

### Web Banking

[App page](https://appshunter.io/ios/app/web-banking/id781456280)

Manage your finances on the go with secure access to your accounts. Track transactions, make instant transfers, and manage your cards. Get quick insights and personalized budget advice from a 24/7 chatbot.

**Highlights:** Track banking transactions, Instant and international transfers, Activate and manage cards, Subscribe to banking products, 24/7 chatbot support, Personalized budget alerts

**Features:** Apple Wallet, Apple Watch app

**In-app purchases:** none


### Raiffeisen Payconiq

[App page](https://appshunter.io/ios/app/raiffeisen-payconiq/id1555030249)

Send money internationally to contacts or any mobile number in Luxembourg, Belgium, and the Netherlands. Pay bills, shops, restaurants, and online by scanning QR codes. Payments are debited from your chosen Raiffeisen current account.

**Highlights:** International money transfers, Payment requests to contacts, QR code bill payments, In-store and online QR payments, Debit from Raiffeisen current account

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Web Banking free?

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

### Is Raiffeisen Payconiq free?

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

### Do Web Banking or Raiffeisen Payconiq have ads?

Neither Web Banking nor Raiffeisen Payconiq shows ads.

### Which is updated more often, Web Banking or Raiffeisen Payconiq?

Web Banking ships an update monthly, and Raiffeisen Payconiq every 5 months. Most recently, Web Banking was updated on August 5, 2026 and Raiffeisen Payconiq on June 1, 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.*