Mobiles Bezahlen

S-Payment GmbH

About this app

Pay easily, securely and conveniently with your digital wallet.
With the “Mobile Payment” app and your digital cards, you can do this conveniently in stores and also quickly and flexibly online - via giropay* and the digital Sparkassen-Card/BW-BankCard plus (girocard)** in the app. You control the possible uses of your cards yourself – with Card Control*. And with the express loan* you can spontaneously fulfill your wishes through short-term liquidity.

To pay in stores, store the debit cards of one or more savings banks and BW Bank and/or your savings bank credit cards in the “Mobile Payment” app. At the checkout, simply unlock your smartphone using the secure method provided, hold it close to the card reader and wait for the visual and acoustic confirmation - done. This works wherever contactless payments and your card are supported.

You can also pay online at participating institutions with giropay and the digital Sparkassen-Card or BW-BankCard plus (girocard). When paying in the online shop, select giropay and the digital girocard in the next step. Then approve the payment using your digital Sparkasse card or BW-BankCard plus stored in the “Mobile Payment” app.

For additional security and control, you can use Card Control at participating institutions to independently activate or deactivate the possible uses of your haptic and digital cards. Easily control your payments in stores, online and abroad as well as withdrawing cash from ATMs yourself.
In addition to paying with a digital card, you can take out a free express loan for between 500 and 3,000 euros directly in the “Mobile Payment” app - and fulfill your wish directly in the store. You will receive the amount in your account within a few minutes and pay it back in full within 30 days or replace it with an installment loan. You will only see the express loan in the app if your institution is participating.

FEATURES AND BENEFITS
• Fast payments in store and online with payment authentication using the secure unlocking method stored in the smartphone
• Secure payment with the same high security standards as contactless card payment, app PIN and other measures
• Identical credit limits and card limits as for physical cards
• Overview of the last 50 transactions of all stored digital cards
• Pay in stores even without an internet connection
• Use in both light and dark mode – depending on your needs and situation

REQUIREMENTS FOR DIGITAL CARDS
• You are at least 13 years old
• You have a private checking account activated for online banking at a participating German savings bank or BW Bank
• You use one of the supported TAN procedures: chipTAN (incl. chip-TAN-QR), pushTAN (incl. pushTAN 2.0)
• You have a valid debit card with girocard from your savings bank(s) or BW bank and/or a savings bank credit card
• Current Android operating system with activated NFC interface

Any questions? You can reach us at 0711/22 04 09 50.

HINTS
a) The app only supports bank details of German savings banks and BW-Bank
b) Time delays when depositing cards are possible
c) To access the cards, use the PIN that you use for online banking
d) Using the app may incur costs: Please ask your savings bank or BW bank about this
e) Please note that the card issuer of your digital card is your Sparkasse or BW-Bank
f) The app is not available for rooted devices for security reasons
g) If your smartphone is lost or stolen, block your stored cards in the usual ways

*at participating savings banks
**Debit card

Ratings and reviews

It is ridiculous that in 2024 Sparkasse still does not support Google Wallet like any other Bank in the EU. A separate app is typically German; making things more complex where a solution already exists. This app is also not available on Wear OS which makes it not good and Modern.

So far, the app seems to work fine, but i found the almost continuous notification, that the app is kept active in the background for faster payments, quite annoying.

Was infront of the cashier when I opened the app. I hadn't used the app for over a month, but when I typed the pin ONCE incorrect, I was told I gave too many attempts, and got locked out. What a fk'n embarassment. Switched to the o'reliable Paypal, you have never let me down once, unlike this app

What's new

Die Version 6.2.0 macht „Mobiles Bezahlen“ wieder etwas besser: Wir haben ein paar kleinere Fehler der App behoben und die allgemeine Performance optimiert. Zudem gibt es minimale optische Verbesserungen an der Oberfläche.