Comparison

Web Banking vs BIL Payconiq

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

Head to head
About

Web Banking

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
Read full description

The BGL BNP Paribas Web Banking app: smooth, simple and secure! ►MANAGE YOUR MONEY WITH COMPLETE FREEDOM Keep track of all your banking transactions, wherever you are. ►QUICKS INSIGHTS No need to log in to acces your key information thanks to the Express View. ►TRANSFER WITH EASE Make instant and international transfers in a matter of seconds. ►MANAGE YOUR CARDS Activate a card, change a limit and view your PIN securely. ►SUBSCRIBE IN A FEW STEPS Explore and subscribe to banking products directly from your phone. ►CHAT WITH GENIUS Your chatbot is available 24/7, so you can get help right away. ►CONTROL YOUR BUDGET Receive personalized alerts and advice from Genius to better manage your money.

About

BIL Payconiq

Make quick, secure payments in Luxembourg, Belgium, and the Netherlands. Send or request money using just a phone number, pay bills, and complete in-store purchases. Transactions are linked to your bank account and secured with fingerprint or PIN.

Highlights
  • In-store payments
  • Bill payments
  • Send/request money via phone number
  • Bank account linked
  • Fingerprint/PIN security
  • Transaction history
Read full description

BIL PAYCONIQ MOBILE PAYMENTS: QUICK, CONVENIENT, SECURE AND FREE Pay with the BIL Payconiq app in Luxembourg, Belgium and the Netherlands. The app lets you make in-store purchases, pay your bills, and even send or request money with nothing more than a phone number! The BIL Payconiq app is easy, quick and convenient; payments are transacted between bank accounts. Proof of payment (debit advice) is available for each transaction carried out with BIL Payconiq on BILnet, your online banking app. ------- *** A BANKING PAYMENT APP BIL Payconiq is linked to your mobile number and your bank account. Bank security levels apply: all payments are authorised by fingerprint identification or secret code/PIN. You can set your own limits on BILnet, according to your preferences (EUR 2,500 by default). Transfers are carried out by SEPA payment (funds available the next business day). *** FAST ACTIVATION To use the BIL Payconiq app, all you have to do is link it to your bank account(s). Launch the app and you’ll be guided through the process.

Screenshots

Web Banking4 screens
BIL Payconiq4 screens

Verdict

The call

The clearest difference is rating: Web Banking at 2.3 against BIL Payconiq's 2.0. Web Banking also leads on review sentiment (11% vs 0%). BIL Payconiq's advantage is iOS requirement (13.0 vs 16.0). On price, ratings volume, update cadence and ads 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

Web Banking holds the better App Store score, 2.3 against 2.0. Both are backed by a comparable volume of ratings — 10 and 4 respectively. Written reviews point the same way: 11% of Web Banking's written reviews are positive against 0% of BIL Payconiq's.

UpkeepUpdate frequency

Web Banking ships an update monthly, BIL Payconiq every 2 months. The most recent releases landed on August 5, 2026 and June 1, 2026 respectively.

Scorecard3 real differences · 7 level
Web Banking versus BIL Payconiq: the parameters behind the verdict, then further details
ParameterWeb BankingBIL Payconiq
PriceFreeFree
Rating2.3 (10 ratings) — better2.0 (4 ratings)
Positive reviews11.1% of reviews — better0.0% of reviews
Number of ratings10 — better4
Update frequencyMonthly — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, Apple Watch — betteriPhone, iPod
Requires iOS16.013.0 — better
Further details — not scored
Size128 MB43 MB
Age rating4+4+
DeveloperBGL BNP ParibasBanque Internationale a Luxembourg

Customer experience

Web Banking

All ratings10 ratings
Positive30.0%
Neutral0.0%
Negative70.0%
Written reviews9 reviews
Positive11.1%
Neutral11.1%
Negative77.8%

BIL Payconiq

All ratings4 ratings
Positive25.0%
Neutral0.0%
Negative75.0%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

Web Banking

No in-app purchases

None

BIL Payconiq

No in-app purchases

Questions

Is Web Banking free?
Web Banking is free to download, with no in-app purchases.
Is BIL Payconiq free?
BIL Payconiq is free to download, with no in-app purchases.
Which has better reviews, Web Banking or BIL Payconiq?
Web Banking is rated higher. Web Banking averages 2.3 out of 5 from 10 ratings, while BIL Payconiq averages 2.0 from 4 ratings.
Do Web Banking or BIL Payconiq have ads?
Neither Web Banking nor BIL Payconiq shows ads.
Which is updated more often, Web Banking or BIL Payconiq?
Web Banking ships an update monthly, and BIL Payconiq every 2 months. Most recently, Web Banking was updated on August 5, 2026 and BIL Payconiq on June 1, 2026.

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