# NICU smartPay vs Bancovinet

The clearest difference is update cadence: Bancovinet at every 5 weeks against NICU smartPay's every 6 months. NICU smartPay's advantage is iOS requirement (13.0 vs 15.6). 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.

NICU smartPay ships an update every 6 months, Bancovinet every 5 weeks. The most recent releases landed on October 24, 2026 and October 20, 2026 respectively.

## The numbers

| Metric | NICU smartPay | Bancovinet |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (1 ratings)](https://appshunter.io/ios/app/bancovinet/id1524741720/reviews)** |
| Number of ratings | — | **1** |
| Positive reviews | 20.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 months | **Every 5 weeks** |
| Monetization | Free | Free |
| Size | 106 MB | 34 MB |
| Requires iOS | **13.0** | 15.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Northern Inland Credit Union Limited](https://appshunter.io/developer/990505804) | [BANCOVI de R.L.](https://appshunter.io/developer/1524616676) |

## What reviewers say

### NICU smartPay

[App page](https://appshunter.io/ios/app/nicu-smartpay/id990507455)

Manage your finances with ease. View account balances, make payments, set savings goals, and control your cards directly from the home screen. Enjoy enhanced security features and quick access to all your banking needs.

**Highlights:** Quick Balance view, Biometric and PIN login, Instant transfers to members, External bank transfers, BPAY payments, Expense tracking, Card management

**Features:** macOS Compatibility

**In-app purchases:** none


### Bancovinet

[App page](https://appshunter.io/ios/app/bancovinet/id1524741720)

Manage your banking operations conveniently from your mobile device. Access your accounts and perform transactions anytime, anywhere with a secure and reliable platform.

**Highlights:** Perform banking operations, Access accounts anytime, Secure transactions, Reliable platform, Mobile banking

**In-app purchases:** none


## Frequently asked questions

### Is NICU smartPay free?

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

### Is Bancovinet free?

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

### Do NICU smartPay or Bancovinet have ads?

Neither NICU smartPay nor Bancovinet shows ads.

### Which is updated more often, NICU smartPay or Bancovinet?

NICU smartPay ships an update every 6 months, and Bancovinet every 5 weeks. Most recently, NICU smartPay was updated on October 24, 2026 and Bancovinet on October 20, 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.*