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 shops 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 also fulfill spontaneous wishes with short-term liquidity.
To pay in shops, store the debit cards from your Sparkasse or BW-Bank and/or your Sparkasse credit card in the “Mobile Payment” app. At the checkout, simply unlock the smartphone using the stored, secure method, hold it close to the card reader and wait for the visual and acoustic confirmation - done. This works wherever contactless payment and your card are supported.
You can also pay online at participating institutes with giropay and the digital Sparkassen-Card or BW-BankCard plus (girocard). When paying in the online shop, select giropay and then the digital girocard in the next step. Then authorize the payment with your digital Sparkassen-Card or BW-BankCard plus stored in the "Mobile Payment" app (e.g. by fingerprint).
For additional security and control, you can use Card Control to independently activate or deactivate the possible uses of your haptic and digital cards at participating institutes. Take control of paying in stores, online and abroad, and withdrawing cash from ATMs yourself.
In addition to paying with a digital card, you can take out a free express loan of 500 to 3,000 euros directly in the "Mobile Payment" app - and fulfill your wish directly on site in retail. 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 institute participates.
FEATURES AND BENEFITS
• Fast payment in store and online with payment authentication via the secure unlock 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 shops without an internet connection
DIGITAL MAPS REQUIREMENTS
• You are at least 13 years old
• You have a private current account with a participating German Sparkasse or BW-Bank that has been activated for online banking
• You use one of the supported TAN methods: chipTAN (incl. chip-TAN-QR), pushTAN (incl. pushTAN 2.0)
• You have a valid debit card with a girocard from your Sparkasse or BW-Bank and/or a Sparkasse credit card
• Android operating system from version 6.0, NFC interface
Any questions? You can reach us on 0711/22 04 09 50.
HINTS
a) The app only supports bank details from German savings banks and BW-Bank
b) Time delays when depositing cards are possible, depending on the quality of the internet connection
c) To call up the cards, use the PIN that you use for online banking
d) Using the app can incur costs: Please inquire about this at your Sparkasse or BW-Bank
e) Please note that the card issuer of your digital card is your Sparkasse or BW-Bank
f) For security reasons, the app is not offered for rooted devices
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

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.

Unreliable months after rushed release. When it works then it is a great experience to use. However, it is not acceptable that one time the money transfer could not be initialized after three repetitions. Another time it was initialized after second try (Hit market). In conclusion i have always to have cash as backup or the normal card from Sparkasse. Furthermore, i don't think that it is a good idea to enble the payment method active by default when the phone is locked.

Does not work on Android 14. Support don't give a duck. Blaming android instead of launching update of their ducking outdated as hell unconviniate application. Don't say me anything about it's a beta version. All other apps. Literally ALL works fine with it. Including Google wallet via paypal. And you want us just to wait until the end of summer for you to launch an update. Wow that is really fast support. Outstanding, Super, bravo 👏👏👏👏👏!

What's new

Mit der Version 3.7.0 wird „Mobiles Bezahlen“ wieder ein kleines bisschen besser: Wir haben kleinere Fehler behoben und die allgemeine Performance optimiert.