phyre digital wallet

4.17K 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
Nov 29, 2023

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
Personal info
This app may collect these data types
Personal info, Financial info and 5 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.15K reviews
A Google user
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
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!
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...
2 people found this review 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.
A Google user
July 22, 2019
Really good app! I recommend it! It's easy to use it and pay fast, without having money cash or in cards.It's safe to use and you can use fingerprint for payments, which is super. Also you can store your loyalty cards and use them from the phone.I totally love it! The support react quickly to every problem and they solve it for minutes. I'm so happy that finally I don't need so many plastic cards and money in cash, wallets and bags all the time, but instead I only need my phone. Thank you ❤️👌
5 people found this review helpful
Phyre JSC
July 23, 2019
Hello, ms Krumova. Thank you for all the kind words and the great score. We are always online if you have any question! Greetings from the team :)

What's new

Voilà! The new phyre version is here with some minor changes and nice improvements to make your daily life better and easier.
Make sure you don’t miss a thing and keep your updates turned on for hot news.