BIL Payconiq vs R
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- In-store payments
- Bill payments
- Send/request money via phone number
- Bank account linked
- Fingerprint/PIN security
- Transaction history
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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.
R
Access your bank accounts, view transactions, and make transfers securely from your mobile device. Find branch information and contact details for banking services.
- Account overview and history
- Credit card transaction tracking
- Bank transfers (own, saved, and new accounts)
- Branch and ATM locator
- Contact information
- Security features
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
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.
| Parameter | BIL Payconiq | R |
|---|---|---|
| Price | Free | Free |
| Rating | 2.0 (4 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 0.0% of reviews | 0.0% of reviews |
| Number of ratings | 4 — better | 1 |
| Update frequency | Every 2 months | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 13.0 — better | 14.0 |
| Further details — not scored | ||
| Size | 43 MB | 101 MB |
| Age rating | 4+ | 4+ |
| Developer | Banque Internationale a Luxembourg | Banque Raiffeisen S.C. |
Customer experience
BIL Payconiq
R
In-app purchases
BIL Payconiq
No in-app purchases
R
No in-app purchases








