# BIL Payconiq vs Payconiq

The clearest difference is rating: BIL Payconiq at 2.0 against Payconiq's 1.0. BIL Payconiq also leads on update cadence (every 2 months vs every 4 months) and ratings volume (4 vs 1). Payconiq's advantage is review sentiment (11% vs 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.

BIL Payconiq holds the better App Store score, 2.0 against 1.0. Both are backed by a comparable volume of ratings — 4 and 1 respectively. Written reviews complicate that: 0% of BIL Payconiq's written reviews are positive against 11% of Payconiq's, so the app with the better star average is not the one people write more warmly about.

BIL Payconiq ships an update every 2 months, Payconiq every 4 months. The most recent releases landed on June 1, 2026 and September 12, 2026 respectively.

## The numbers

| Metric | BIL Payconiq | Payconiq |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.0 (4 ratings)](https://appshunter.io/ios/app/bil-payconiq/id830569595/reviews)** | [1.0 (1 ratings)](https://appshunter.io/ios/app/payconiq-bgl-bnp-paribas/id965192532/reviews) |
| Number of ratings | **4** | 1 |
| Positive reviews | 0.0% of reviews | **11.1% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 months** | Every 4 months |
| Monetization | Free | Free |
| Size | 43 MB | 43 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Banque Internationale a Luxembourg](https://appshunter.io/developer/455960652) | [BGL BNP Paribas](https://appshunter.io/developer/347819442) |

## What reviewers say

### BIL Payconiq

[App page](https://appshunter.io/ios/app/bil-payconiq/id830569595)

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

**In-app purchases:** none


### Payconiq

[App page](https://appshunter.io/ios/app/payconiq-bgl-bnp-paribas/id965192532)

This app allows for fast, secure, and free mobile payments in stores, for bills, and online. It also enables sending, receiving, and requesting money between phone numbers, linked directly to your bank account.

**Highlights:** In-store payments via QR codes, Bill payments with QR codes, Send, receive, and request money, Online and in-app purchases, Bank-grade security, Set custom payment limits

**In-app purchases:** none


## Frequently asked questions

### Is BIL Payconiq free?

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

### Is Payconiq free?

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

### Which has better reviews, BIL Payconiq or Payconiq?

BIL Payconiq is rated higher. BIL Payconiq averages 2.0 out of 5 from 4 ratings, while Payconiq averages 1.0 from 1 ratings.

### Do BIL Payconiq or Payconiq have ads?

Neither BIL Payconiq nor Payconiq shows ads.

### Which is updated more often, BIL Payconiq or Payconiq?

BIL Payconiq ships an update every 2 months, and Payconiq every 4 months. Most recently, BIL Payconiq was updated on June 1, 2026 and Payconiq on September 12, 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.*