Pay with your smartphone using this free app!

You no longer need your bank card or even your wallet to make payments. Now you can pay your share of a restaurant bill or pay back a friend using a simple yet revolutionary new app: Payconiq. Combining all the security guarantees of your bank account with the convenience of your smartphone.

  • A free innovative service

    Payconiq is a unique mobile app designed to enable you to make payments via your smartphone, even between accounts held at different banks.

  • To pay back your friends

    No need to know your friends’ bank details. And they don’t even need to be nearby: you just need their phone number or e-mail address.

  • To pay for your purchases

    Use the app to pay for your purchases at participating retailers. All you need to do is select the name of the shop in the app, enter the amount and then confirm with your code.

  • Pay and save points via 1 app

    Take advantage of two services in one by integrating your joyn* loyalty card in Payconiq. Just ask the shop keeper to scan your card’s QR code; you earn points automatically every time you pay!

*joyn is a merger of Qustomer and CityLife. If you already have one of these loyalty cards your points will be automatically transferred to your new joyn card.

Download and install the app

via the App Store or Google Play

Download Payconiq
Create and activate your profile

by entering your details and the activation code you receive

Choose your PIN code

Your Payconiq app is ready to use!