phyre: digital wallet for mobile payments

4.02K reviews
Content rating
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About this app


With phyre you can:

• pay contactless with your phone, instead of a bank card
• send money instantly and with no fees within the phyre network
• open a free BGN or EUR current account in minutes using just your mobile
• easily send bank transfers worldwide just with your phone
• use all of your loyalty cards from your phone
• pay securely online with a free virtual Mastercard
• track your expenses in an easy and intuitive way

Save time and bank fees with phyre.

💶 Get a free IBAN
Open a free BGN or EUR current account in minutes using just your mobile.
Send and receive instant bank transfers no matter the bank you use.
All bank transfers between phyre users are absolutely free and instant.

💳 Top up your account easily
Top up your phyre account with any of your cards or load funds via bank transfer.
Top up with Visa, Visa Electron, Mastercard, Maestro - we support all of them.
You can top up with as many cards as you want or send a bank transfer to your phyre account.

📲 Pay at any contactless POS terminal just with your phone
Get rid of your wallet and feel the freedom to pay just with your phone from any part of the world instantly.

💸 Send and receive instant money transfers within the phyre network
All money transfers between phyre users are absolutely free and instant.
Activate your phyre account and start sending immediately.

🛍️ Get the free virtual phyre Mastercard and shop online with no risk
Control the card from your phone - freeze and unfreeze it whenever you want to.
Protect yourself from forgotten automated payments and subscriptions.

💰 Share phyre with friends and earn together
As a phyre user now you have the chance to earn rewards by sharing your personal phyre link with friends. Anyone who installs phyre and tops up his profile using your link gets a welcome bonus. When your friend tops up and makes a transaction - you will get a bonus in your account as well.

🕵️ Stay in control of your spendings
Track your expenses in real time and get free instant notifications for your payments.

🤳 Link all your loyalty cards and use them on your phone
You can store any client card in phyre, it doesn't matter if it is a well known international brand or your local pharmacy. If you can't find a template of your card, don't worry! Just take a photo of it and you will have it in the app. Scan it, digitize it and leave it at home.

💵 Withdraw cash
Order your phyre Mastercard and use it when you need to withdraw cash or for contactless payments when your phone battery is dead. Control it from your phone.

🛡 Bank-grade security
We take security seriously! Payments in phyre 🔥are processed by Paynetics, an EU licensed e-money institution that is a principal member of VISA and Mastercard. We have a bank-grade security system and our application has been certificated by Mastercard.

Payment services through the application phyre are provided by Paynetics AD - an electronic
money company, holding a license issued by the Bulgarian National Bank (BNB) with decision
№ 44 of 11.04.2016.
Phyre AD is a provider of the Pay by phyre application and a representative of Paynetics AD,
entered in the BNB register under Art. 19 of Payment Services and Payment systems Act.

⚙️ Systems Requirements

Please notice that to install phyre you need to be using Android 6.0 or higher on your device.

In case you use contactless payments with your phone it needs to be NFC compatible.
Otherwise, you can order a physical phyre Mastercard for POS payments.

In order to guarantee our system security and to comply with the Mastercard security standards, we won't allow activating phyre on any rooted device. Thank you for your understanding.

If you have any questions or feedback, please contact us on

We will be more than happy to hear from you. 😊
Updated on
May 25, 2022

Data safety

Developers can show information here about how their app collects and uses your data. Learn more about data safety
No information available

Ratings and reviews

4.02K reviews
Nikolay Egov
January 4, 2022
Absolutely unreliable. I used it for loyalty cards only and no way I'm migrating the payments to it. Loads slowly, constantly asks me to accept some new terms or settings as I'm on the cash register. Recently it doesn't open at all so I had to reinstall again. Not practical as people are waiting on the queue behind you...
Did you find this helpful?
Phyre JSC
February 2, 2022
Hi. We are terribly sorry for the negative experience you have had. Please do not hesitate to contact us through the app chat or at so that we can investigate your issue and provide swift assistance. We hope we will be able to regain your trust in our service.
Lyubo Tsanev
February 5, 2022
The rating is based on the good quality of the app (5 stars), and the shady credit offer which I received on my email, which included 58 interest-free days, etc., but without any information regarding how high the interest rates would be (1 star). This is not the way it should be done.
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Phyre JSC
February 8, 2022
Hi. Our credit service is provided by with the world renowned bank BNP Paribas. The mail you received promotes our service and is not a credit offer. All details for your credit can be found in the app, once you begin the procedure of applying for a credit. Please feel free to contact us in the chat app anytime for more details.
Tsvetomir Georgiev
October 2, 2019
Thank you for the great feedback. All is working fine now! . . . Before an update to Android 10, there were many crashes and even some of my saved cards has disappeared. After updating to Android 10, the app won't even start. I really like you Phyre and would like to use the app and know that my paid subscription it's worth it, but you need to fix the mentioned. P.S.: I'll be happy to re-rate the app after the fixes
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Phyre JSC
October 2, 2019
Hello, mr. Georgiev. We are waiting for the update to Android 10 to be published. But you can fix it by just reinstalling phyre. After that you wont have any issues. You can always contact us via chat or email, so we can respond faster. Greetings from the team!