If your bank account is not displayed in your profile, please restart the . If you still cannot see your account in your profile after reopening the app, please try again at a later date.

To link your profile to your bank account, please follow these steps:

1. Open the and select .
   
2. Enter your mobile phone number and verify it with the SMS code sent to you.
   
3. Select your bank account and authorise the use of in .
   

You can now send and request money with .

can only be linked to current accounts.

You can add another bank account in . If you have several bank accounts linked to your profile, you can select the account from which the payment is to be made when creating the payment request. Once a payment request has been created, it is no longer possible to change the recipient account. If you still want to change it, you must cancel the request and create a new one with the bank account you want to use.

No, it is not possible to link the same telephone number to different bank accounts.

Each account has a unique contact identifier (mobile phone number or email address) assigned to it, which you set up when you link your current account to . If, for example, the person sending you money selects your mobile phone number as the contact identifier, the money will be credited to the current account for which your mobile phone number is set up as the identifier. Each identifier can only be linked to one account.

Your payments will be debited from your account immediately upon validation. You will usually receive payments in your bank account immediately after the payer has sent them to you. This process usually takes less than 10 seconds.

To confirm a transaction, you will be asked to authenticate yourself with your PIN code, fingerprint or facial recognition.

For your own security, do not share your PIN code with anyone else. Make sure that only you have access to your phone and lock your phone with a code, fingerprint or facial recognition.

If you notice a transaction that you did not initiate, please contact the service hotline immediately.

Tel.: 0711 2204095-3

If you are unable to pay after scanning a  QR code, please follow these steps:

1. Check that the  is up to date (please carry out an update if one is available).
2. Close the  completely on your device.
3. Open the  and try your payment again.

If you are still having problems with the payment, please contact the service hotline.

Tel.: 0711 2204095-3

You can generate your QR code to receive money in just a few steps. Simply click on the QR code button in the ‘Request money’ section of the , then on ‘Show my QR code’.

If the recipient has not received your payment, please contact the service hotline.

Tel.: 0711 2204095-3

Yes, you can send a payment request to anyone who uses . The other person must be located in a country where is available in order to create a profile. In addition, your contact’s bank must offer as a payment solution.

A payment request is valid for 30 days. If your contact does not complete your payment request within 30 days, the request will be cancelled.

The maximum number of people among whom an amount can be split is 20.

The minimum amount that users can split is EUR 1.00.

Yes, that is an option. Cash payments or external expenditure can be split among several people via the “Request money” function – you do not already have to have a transaction posted on your list of transactions for this.

is initially available as a payment method for selected online retailers – both in apps and on the web. Other retailers and platforms will be coming on board step by step.

There is a daily limit for payments, which is set by your Sparkasse. Various maximum amounts may apply – for sending money to other people, for example, and for payments to online retailers. The exact amounts can be found in the List of Prices and Services of your Sparkasse, or you can ask your Sparkasse directly. In addition, there is a maximum amount for real-time transfers. Please note that the available limit depends on the transaction limit of the account linked to .

One-off payments in online shops can be made in real time with . Simply select as your payment method in the shop.

• On a desktop, you will see a QR code. Scan the QR code to approve the payment on your smartphone.
• On a mobile device, you will be forwarded directly to payment approval in the when you select .
  

 contacts with the PRO mark (referred to as  PROs) are people who have linked to their business account. They could be freelancers, for example, or sole traders. Transactions involving them also have the PRO mark next to them in the activity summary.
Transactions between private individuals and transactions between private individuals and those with a business account are processed in exactly the same way from a technical point of view. There is no difference as far as the conditions of use, blocks, limits, etc. are concerned.

The PRO mark shows that the person in question uses  for their business and helps to create trust and clarity when making  transactions. Users with the PRO mark ( PROs) can send payment reminders at regular intervals in the form of push notifications, reminding those with outstanding invoices that the payment has not yet been received. The PRO mark will also provide the basis for future functions such as invoicing, small business payments and tax allocations.

When you activate a new business account, that account is automatically given the PRO mark. For all business accounts already set up for , the PRO mark can be awarded retrospectively.