Mobiles Bezahlen

62.4K reviews
Content rating
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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.

• 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

• 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.

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
Updated on
Jan 25, 2024

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.
No data shared with third parties
Learn more about how developers declare sharing
No data collected
Learn more about how developers declare collection
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

61.9K reviews
Richard Bosworth
February 24, 2024
It's okay, but it's not the same as having Google Pay. For example, it takes a long time to respond to the NFC. If you switch to Google Pay + PayPal, so linked to the same Sparkasse Account, the NFC payment is a thousand times better. One can waive the phone like a magic wand and the payment is made. Sparkasse should let us use the MasterCard Debit card _überall_ and stop this nonsense of a dedicated app.
21 people found this review helpful
S-Payment GmbH
February 27, 2024
Hallo Richard, danke für dein Feedback. Wir haben uns aus unterschiedlichen Gründen für eine eigene Lösung entschieden. Viele Grüße Lina vom S-Payment Team
TomOle 4444
March 22, 2024
Could it be made possible to enter a pin longer than 6 for the app password? A little specific, maybe, but I can't think of a 6 digit pin. This might also be interesting for people who need more security. Also, could there be a toggle for the app running in the background.
1 person found this review helpful
S-Payment GmbH
March 25, 2024
Hallo TomOle, vielen Dank für deine Rückmeldung. Gerne geben wir deine Anregung an das zuständige Team weiter. Viele Grüße Lina vom S-Payment Team
April 17, 2021
The app used to work just fine, yet after the last update I ended up trying to use it in-store and it just didn't work. Luckily, I had a physical card on hand. On investigation, it turns out that you need to set up every card again. Bummer. At least a warning would have been nice. The new "improvements" in many ways feel either unnecessary or just poorly designed (No, Fingerprints don't register correctly every time!!!) and the setup process is a mess as well.
78 people found this review helpful
S-Payment GmbH
April 19, 2021
Hallo Jan, dass die Zahlung bei dir nicht funktioniert hat tut uns leid. Du musst die App nach dem Update einmalig einrichten, um wieder bezahlen zu können. Zudem muss die App als Standard-Zahlungsdienst in den Android-Einstellungen festgelegt sein. Viele Grüße Pepe vom S-Payment Team

What's new

Die Version 6.0.0 ist da und macht „Mobiles Bezahlen“ wieder etwas besser. Ab sofort können Sie bei unterstützen Geräten die Quick Access Wallet-Funktion nutzen. Sie ermöglicht den schnellen Zugriff auf Ihre Zahlungskarten in der App direkt über das Power-Menü, die Schnelleinstellungen oder den Sperrbildschirm des Gerätes. Darüber hinaus erfordert die App jetzt Android 8.0 als Mindestversion. Und natürlich haben wir wieder kleinere Fehler behoben und die allgemeine Performance optimiert.