Comparison

NN Direct vs 24pay

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

Head to head
About

NN Direct

Manage your insurance and pension accounts with ease. Pay premiums, make investments, update personal details, and track claims securely. Enjoy a user-friendly experience with convenient login options.

Highlights
  • Pay insurance premiums and pension contributions
  • Invest in fund units
  • Update personal and contact information
  • Track insurance claims status
  • Secure login with facial recognition or fingerprint
  • View payment history
Features
Read full description

NN Direct este aplicația care îți aduce pe telefon ce este mai important să știi despre asigurările și pensiile de la NN. Poți plăti primele asigurărilor sau contribuțiile pensiilor facultative rapid și în siguranță, cu orice card bancar, și poți salva detaliile cardurilor tale pentru a face plăți mai ușor. Dacă ești printre cei cu apetit pentru investiții, tot prin aplicație poți face tranzacții cu unități de fond în câțiva pași simpli. Mai mult, ai acces la istoricul primelor de asigurare plătite și al contribuțiilor la pensie și îți poți actualiza datele personale sau de contact oricând apar schimbări, prin simpla scanare a cărții de identitate. În cazul apariției unui eveniment asigurat, ne poți transmite toate detaliile prin intermediul meniului dedicat din NN Direct, unde poți urmări ulterior statusul solicitării tale. Noi te vom notifica în cazul în care avem nevoie de documente suplimentare, pe care le vei putea încărca tot în aplicație. Activarea contului se face scurt și de la distanță, iar pentru autentificare poți alege varianta clasică (email și parolă) sau, și mai simplu, cu recunoaștere facială sau amprentă digitală. Ca să te bucuri de noua experiență care vine cu funcționalități noi și informații pe înțelesul tău, e suficient să actualizezi sau descarci cea mai recentă versiune. Odată ce te-ai conectat, ne place să credem că avem o aplicație intuitivă și îți va fi ușor să afli ce te interesează. Dacă nu e așa, dă-ne de veste. În timp ce citești aceste rânduri, echipa noastră lucrează la îmbunătățirea aplicației, așa că apreciem dacă ne lași un review aici. Promitem să răspundem în timp util.

About

24pay

This app provides a secure and fast way to make various payments directly from your phone. It functions as an e-wallet for everyday transactions, including public transport, utility bills, mobile top-ups, parking, and insurance policies.

Highlights
  • Direct, secure, and fast payments
  • Public transport ticket payment
  • Utility bill payments
  • Mobile top-up services
  • Parking fee payment
  • RCA insurance policy comparison and purchase
Read full description

24pay is Must Have App on your phone for direct, secure and fast payments. With a modern design and a user-friendly menu, 24pay App behaves like an eWallet that offers a convenient solution for daily payments. Pay for a wide range of products and services with any of the cards enrolled in the application. Public Transport Users have the possibility to pay for public transport tickets and subscriptions directly from the app, without interacting with a cashier or needing cash. Easy paying the trip, directly on the mobile phone, from the App. 24pay app is available for public transport through a modern, fast and secure payment solution in 19 main cities from Romania: Bucharest (STB), Timisoara (STPT), Cluj-Napoca (CTP Cluj), Iasi (CTP Iasi), Brasov (RATBV SA), Arad (CTP Arad), Ramnicu Valcea (ETA SA), Targu Jiu (Transloc), Piatra Neamt (TPN), Sibiu (Tursib), Baia Mare (SC Urbis SA), Resita (Transport Urban Resita), Sacele (Servicii Sacelene), Ploiesti (TCE), Roman (Solelga), Botosani (Eltrans), Constanta (CT Bus), Bacau, Sfantu Gheorghe (Sepsi Bus), Oradea (OTL). Bill Payments Users have the possibility to pay invoices from different utility suppliers directly from the app: - electricity - gas - phone and internet - financial services - water - sanitation - others The invoice can be scanned, imported or manually introduced by customer identifier (barcode, customer ID, phone number depending on the supplier). Invoice dashboard functionalities: - save templates from various providers one payment for multiple invoices - partial payment of the invoices - real time balance update for the online suppliers Mobile Top Up Users have access to complete top-up services for major mobile operators (Orange, Vodafone, Telekom). Prepaid cards can be charged directly from the application, without going to a branch and without needing cash. Parking Users have the possibility to pay for parking services directly from the app, without interacting with a cashier or needing cash. The payment is made for the entire period of occupying the parking lot (the minimum payment duration /value can be established). Prepaid Vouchers The value coupons are products with a fixed value, PIN loading type, which allow the use on different partner sites of online games and various e-money sites. RCA insurance policy Users interested in concluding a new RCA insurance policy through 24pay can compare the majority of the insurers’ offers available in Romania for motor vehicles in the following categories: passenger cars, motorhomes, motorcycles and semi-trailers. The process of issuing the policy is simple and fast, and the information can be retrieved by importing the necessary documents (driver's identity card and vehicle identity certificate), according to the legislation in force. After making the payment, the RCA policy will be available in the Wallet section of the application. Users can very easily manage the renewal of the RCA, because they receive a notification warning the expiration period of the document. Entertainment Users have the possibility to pay for relaxation and leisure services directly from the app, without interacting with a cashier or needing cash. Entertainment services available now: - massage chairs - kiddie rides Fitness Users can pay for having access to more than 350 gyms partners from the Sanopass network. About 24pay 24pay App was launched in 2018 and it’s FREE for users. In February 2022 the app was bought by PayPoint Services. 24pay eWallet allows payments by mobile phone for a wide range of services by adding the bank card Visa / Mastercard. Access to the application and confirmation of transactions is carried out by authentication with fingerprint or the 4-digit PIN24pay code.

Screenshots

NN Direct4 screens
24pay3 screens

Verdict

The call

The clearest difference is review sentiment: NN Direct at 75% against 24pay's 22%. NN Direct also leads on rating (4.8 vs 3.4) and ratings volume (147 vs 27). 24pay's advantage is update cadence (every 10 days vs monthly). On price, ads, in-app purchases and monetization model 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

NN Direct holds the better App Store score, 4.8 against 3.4. That said, the two scores are not equally well evidenced: NN Direct has 147 ratings behind it against 27, so its average is the more settled of the two. Written reviews point the same way: 75% of NN Direct's written reviews are positive against 22% of 24pay's.

UpkeepUpdate frequency

NN Direct ships an update monthly, 24pay every 10 days. The most recent releases landed on September 14, 2026 and September 10, 2026 respectively.

Scorecard5 real differences · 5 level
NN Direct versus 24pay: the parameters behind the verdict, then further details
ParameterNN Direct24pay
PriceFreeFree
Rating4.8 (147 ratings) — better3.4 (27 ratings)
Positive reviews75.0% of reviews — better21.7% of reviews
Number of ratings147 — better27
Update frequencyMonthlyEvery 10 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPod — betteriPhone
Requires iOS11.0 — better18.0
Further details — not scored
Size118 MB124 MB
Age rating4+4+
DeveloperNN Asigurari de Viata S.A.PTPOnline SRL

Customer experience

NN Direct

All ratings147 ratings
Positive93.9%
Neutral2.7%
Negative3.4%
Written reviews16 reviews
Positive75.0%
Neutral6.3%
Negative18.8%

24pay

All ratings27 ratings
Positive59.3%
Neutral3.7%
Negative37.0%
Written reviews129 reviews
Positive21.7%
Neutral10.1%
Negative68.2%

In-app purchases

None

NN Direct

No in-app purchases

None

24pay

No in-app purchases

Questions

Is NN Direct free?
NN Direct is free to download, with no in-app purchases.
Is 24pay free?
24pay is free to download, with no in-app purchases.
Which has better reviews, NN Direct or 24pay?
NN Direct is rated higher. NN Direct averages 4.8 out of 5 from 147 ratings, while 24pay averages 3.4 from 27 ratings.
Do NN Direct or 24pay have ads?
Neither NN Direct nor 24pay shows ads.
Which is updated more often, NN Direct or 24pay?
NN Direct ships an update monthly, and 24pay every 10 days. Most recently, NN Direct was updated on September 14, 2026 and 24pay on September 10, 2026.

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