Pay – Die Bezahl-App

4.5
15.4K reviews
1M+
Downloads
Content rating
USK: All ages
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About this app

The app at a glance:
• Store your digital cards quickly and easily (digital girocard, Mastercard and Visa)
• Pay mobile with your Android smartphone and the Pay app
• Pay contactlessly and securely at any time in store or on the go
• Keep an eye on all payments at all times
• High security standards – just as secure as the physical cards

Pay with the app
Simply hold your smartphone against the terminal. Thanks to the app's unlocking function, you no longer need a PIN to pay.

Use Volksbanken Raiffeisenbanken cards
Order a new digital girocard in the app or reactivate it on another device. Simply store your Visa or Mastercard digitally in the app.

Keep an eye on payments
Always keep an eye on payments thanks to the overview in the app.

High security standards
The same security standards apply to paying with the app as to physical debit and credit cards. If necessary, cards can also be activated or deactivated for payment.


Requirements
• a payment account with a participating Volksbank Raiffeisenbank
• a valid TAN procedure (Sm@rtTan, SecureGo plus)
• active access to online banking
• an NFC-enabled smartphone

Usage notice
To pay with the app, the smartphone's NFC function must be activated.
Updated on
Aug 1, 2025

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
App info and performance
This app may collect these data types
Personal info, App info and performance, and Device or other IDs
Data is encrypted in transit
Data can’t be deleted

Ratings and reviews

4.5
15.4K reviews
Tobias Schmidt
February 14, 2025
I am really unhappy that you require me to install this app for tap to pay on Android phones. Please make your credit and debit cards available for the default Google Wallet app. Why build and maintain a custom app when the native platforms already offer the same (and better) functionality? PS: Now I am using PayPal as a middleman to be able to "use your credit card" in Google Wallet app... Really bad setup for privacy reasons.
8 people found this review helpful
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Skoell
December 13, 2022
Cards aren't loaded from time to time, which was never the case with the previous app. Super annoying when standing at the checkout and the app doesn't load properly. My guess would be that it's due to bad reception which is weird.
7 people found this review helpful
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Atruvia AG
December 13, 2022
If you set a card as "Standardkarte" you don' have to open the app before you pay. Just unlock your smartphone and pay with it. Otherwise send an email to our support address pf-digitalekarten@atruvia.de.
Louis without an s (Lou)
November 29, 2024
Works quiet well, but recently it started not showing my digital card like I open the app it's there then I switch to another app switch back to pay and the card is gone it has done that several times when I wanna pay
1 person found this review helpful
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Atruvia AG
November 29, 2024
Bitte schicken Sie uns das Protokoll zur Analyse: Hilfe -> Technisches Problem melden. Könnten Sie uns bitte auch einen Beispielzeitpunkt nennen, wann dieses Verhalten aufgetreten ist? Vielen Dank und viele Grüße, Ihr Supportteam.

What’s new

In dieser Version wurden technische Optimierungen, Stabilitätsverbesserungen und Fehlerbereinigungen vorgenommen. Wir freuen uns jederzeit über ihr Feedback.