Comparison

BIL Payconiq vs R

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

Head to head
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.

About

R

Access your bank accounts, view transactions, and make transfers securely from your mobile device. Find branch information and contact details for banking services.

Highlights
  • Account overview and history
  • Credit card transaction tracking
  • Bank transfers (own, saved, and new accounts)
  • Branch and ATM locator
  • Contact information
  • Security features
Features
Read full description

Your account, your transaction, your customer satisfaction! R-Net Mobile app gives you access to your bank accounts from anywhere, anytime you like! Functionalities • Overview and history of current assets and liabilities • Credit card transactions • Bank transfers to your own bank accounts • Bank transfers to national and international bank accounts saved in your Raiffeisen.Net address book • Bank transfers to all national and international bank accounts that are not saved in your Raiffeisen.Net address book To use these functionalities, you need a Raiffeisen.Net contract and a LuxTrust Token. You may also find (even if you’re not a Raiffeisen customer): • Contact details, opening hours and the geographical position of the nearest Raiffeisen branch and ATMs • Useful numbers to get into contact with Raiffeisen Benefits • Accessibility • Flexibility • Security About us Raiffeisen is a cooperative bank – which makes all the difference. We are committed to supporting you and serving your best interests. As your cooperative choice, it’s only natural for us to trust those who trust us.

Screenshots

BIL Payconiq4 screens
R4 screens

Verdict

The call

The clearest difference is rating: R at 5.0 against BIL Payconiq's 2.0. R also leads on update cadence (every 3 weeks vs every 2 months). BIL Payconiq's advantage is ratings volume (4 vs 1). On price, review sentiment, ads and in-app purchases 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

R holds the better App Store score, 5.0 against 2.0. Both are backed by a comparable volume of ratings — 4 and 1 respectively. Written reviews split almost evenly too, at 0% and 0% positive.

UpkeepUpdate frequency

BIL Payconiq ships an update every 2 months, R every 3 weeks. The most recent releases landed on June 1, 2026 and September 19, 2026 respectively.

Scorecard3 real differences · 7 level
BIL Payconiq versus R: the parameters behind the verdict, then further details
ParameterBIL PayconiqR
PriceFreeFree
Rating2.0 (4 ratings)5.0 (1 ratings) — better
Positive reviews0.0% of reviews0.0% of reviews
Number of ratings4 — better1
Update frequencyEvery 2 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS13.0 — better14.0
Further details — not scored
Size43 MB101 MB
Age rating4+4+
DeveloperBanque Internationale a LuxembourgBanque Raiffeisen S.C.

Customer experience

BIL Payconiq

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

R

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

BIL Payconiq

No in-app purchases

None

R

No in-app purchases

Questions

Is BIL Payconiq free?
BIL Payconiq is free to download, with no in-app purchases.
Is R free?
R is free to download, with no in-app purchases.
Which has better reviews, BIL Payconiq or R?
R is rated higher. BIL Payconiq averages 2.0 out of 5 from 4 ratings, while R averages 5.0 from 1 ratings.
Do BIL Payconiq or R have ads?
Neither BIL Payconiq nor R shows ads.
Which is updated more often, BIL Payconiq or R?
BIL Payconiq ships an update every 2 months, and R every 3 weeks. Most recently, BIL Payconiq was updated on June 1, 2026 and R on September 19, 2026.

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