Best Mobile Payment Apps in the UK of 2026

Paywint

Paywint is a Digital Wallet to Request, Send & Receive Money Instantly. Link multiple Bank Accounts and Debit or Credit Cards. Share a unique Payment Link, QR Code, or Pay Tag to receive money from anyone. Download from the Apple Store or Google Play Store, or use a Web Browser online. Ultra Secured with Encryption and AI-powered fraud detection. Integrate Apple Pay, Google Pay, PayPal, CashApp, Zelle, and Venmo seamlessly for real-time funding or withdrawal. Students, Travellers, Workers, and Freelancers can pay Family, Friends, and Business partners in other countries. Small Business Owners can make Vendor Payments, Customer Payments, Payroll etc. Wallet supports Multi Currency and Multi Language. Open a Digital Bank Account and get a Virtual or Physical Card. Group Payments and Bill-splitting with Shared Wallets for Family/Friends/Group Accounts. Real-Time Alerts for every Transaction via Text, Email, Push, etc. Multiple Accounts for Merchants, with Multi-User Access.

35 Ratings

Starting Price: $0

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Apple Pay

Apple

Apple Pay is easy and works with the Apple devices you use every day. You can make contactless, secure purchases in stores, in apps, and on the web. And you can send and receive money from friends and family right in Messages. Apple Pay is a safer way to pay, and even simpler than using your physical card. Using Apple Pay with your iPhone or Apple Watch is quick and secure. It’s a safer way to pay that helps you avoid touching buttons or exchanging cash. Use Apple Pay on the App Store to buy apps and games, or within apps to pay for a ride, a pizza delivery, or a new pair of sneakers — with just a touch or a glance. You can also use Apple Pay for a subscription to Apple Music, Apple News+, and Apple Arcade. Or for upgraded iCloud storage and other Apple services. When you’re making purchases on the web in Safari on your iPhone, iPad, or Mac, you can use Apple Pay without having to create an account or fill out lengthy forms.

25 Ratings

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Venmo

PayPal

Pay friends and family with a Venmo account using money you have in Venmo, or link your bank account or debit card quickly. Send money and make purchases at approved merchants. Remember the moments you share with friends. Split dinner, send a birthday gift, or just say hello. Move money from Venmo to your bank account. We use encryption to help protect your account information and monitor your account activity to help identify unauthorized transactions. Pay family and friends with Venmo accounts using a phone number or email. If they don't have a Venmo account, they'll just need to create one. Find friends automatically by syncing your Facebook or phone contacts. When you send money using your Venmo balance, bank account, debit card or prepaid card, we waive fees so it’s free. Our standard 3% fee applies to credit cards. Receiving money and making purchases in other apps is always free.

13 Ratings

Starting Price: Free

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Razorpay

Power your finance, grow your business. Accept payments from customers. Automate payouts to vendors & employees. Never run out of working capital. Mix and match products from Razorpay's payment suite to solve for your exact business use case. With the easiest integration, completely online onboarding, feature filled checkout and best in class performance, quickly go live with Razorpay and experience the future of payments. Razorpay Payment Pages is the easiest way to accept payments with a custom-branded online store. Accept international and domestic payments with automated payment receipts. Take your store online instantly with zero coding. Preparation is everything! Use hosted Event Registration to quickly register event attendees online and send automated receipts. Raising money for a good cause? Our hosted Donations page saves you valuable time by automatically sending personalized 80G receipts.

2 Ratings

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PhonePe

PhonePe is a mobile payments app that allows you to transfer money instantly to anyone, by using just their mobile number. Our goal is to make digital payments so easy, safe & universally accepted that people never feel the need to carry cash or cards again. Invest money, secure your wealth and achieve your financial goals! Pay bills, recharge, send money, buy gold, invest and shop at your favorite stores. Choose from options like BHIM UPI, the PhonePe wallet or your Debit and Credit Card. Book flights, order food or buy groceries. Use all your favorite apps without downloading them. Every day we wake up, learn to navigate life into 'the new normal' and help each other to keep going - all this with a smile behind our masks. Over the next decade, digital payments are going to become more accessible to the next billion users. Our goal is to facilitate this change by building payment solutions for this user base.

2 Ratings

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Cash App

Block, Inc.

The Cash App lets you easily send or receive payments to anyone via a simple mobile application. The Cash App also lets you buy Bitcoin, and the Cash App works without a bank account. Send and receive money anytime, anywhere. It’s fast and free, and a $cashtag is all you need to get started. With a Cash App account, you can receive paychecks up to 2 days early. Get 3 free ATM withdrawals per month when you have at least $300 coming in each month. Whether you’re just getting started or already a pro, Cash App makes it easy to invest in stocks and bitcoin. Cash App uses advanced security features to protect millions of people and payments each year. From verification locks to data encryption, we take steps to make sure your money and information are safe.

1 Rating

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Strike

A more connected financial world. Send money instantly, with no added fees, anywhere in the world. Send and receive instant and secure borderless payments from your fingertips, with no added fees. Strike offers the easiest way to buy bitcoin. Skip fees and stack sats, the right way. Put the power of your money back into your pocket. Convert your paycheck to bitcoin with no added fees. We work directly with popular brands to bring you savings on thousands of products. Earn up to 15% cash back on the things you buy every day.

1 Rating

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Zelle

Early Warning Services

Zelle® is a fast, safe, easy and contact-free way to send and receive money with friends, family and others you trust. You can receive money directly into your bank account in minutes. Get started by enrolling your email or U.S. mobile number through your mobile banking app or with the Zelle app. Enter the preferred email address or U.S. mobile number of the recipient. You can send money to almost anyone1 you know and trust with a bank account in the U.S. Enter the amount to send. Your recipient gets a notification explaining how to complete the payment, simply and quickly. You can send money with Zelle for all kinds of things. And, did we mention it’s fast? Like money-straight-into-your-bank-account-in-minutes fast. Watch to learn more and how you can Pay it Safe when using Zelle. Whether you’re settling up IOUs or splitting the cost of takeout, you can send money to someone you trust in minutes directly to their bank account with Zelle.

1 Rating

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Walmart Pay

Walmart

Touch-free payment made easy. Protect yourself and others by using Walmart Pay in stores. Securely store your credit, debit, or gift card and pay quickly and easily using your phone. Walmart Pay. Pay like a pro. Download the latest Walmart app from the App Store™ or Google Play. Open it & sign in. Tap Services, Walmart Pay & add a credit, debit, or gift card. Scan your items, open Walmart Pay & scan the QR code on the register. Your eReceipt will be saved. Leave your wallet behind the Walmart app is all you need to pay touch-free with Walmart Pay. When you're done shopping, go to any checkout lane, scan your items, then hold your phone over the QR code on the register to pay. Walmart Pay can use credit, debit, or gift cards saved to your Walmart account. Bring any paper coupons to the cashier as usual. Easy access to your permanent e-receipts makes returns simple. Every day, millions of customers use the Walmart app, & we're careful to protect their privacy & security.

1 Rating

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GCash

Make fast and secure mobile payments with GCash. Create an account to start enjoying cashless transactions with the Philippines’ leading e-wallet! Now available for all networks. We are a BSP-licensed e-money issuer and remittance agent, so you can make sure your funds are safe with us. Enjoy the convenience of accepting mobile payments whether in your online website or in your offline store! Send your personal QR code to customers and instantly receive payments. Allow your customers to easily pay through your website, and quickly see payment settlements in your dashboard. Experience instant cashless transactions in your store via QR with regular transactional reports. Have the flexibility to manage both online and in-store payments through your dashboard. Be part of the GCash ecosystem and get direct access to the 33M users in the app. Take advantage of gaining higher user traffic with lower costs.

3 Ratings

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Meta Pay

WeChat Pay

Tencent

WeChat Pay has become a part of daily life. With WeChat Pay enabled on mobile phone, users can make transaction payments at anytime and anywhere. Wallet is not required any more. In China, WeChat Pay is supported almost everywhere, such as in ordering taxi, supermarkets, and hospitals. Make connections with Chinese shoppers WeChat Pay connects overseas vendors directly to Chinese consumers for more business opportunities. When Chinese costumers buy goods in foreign country, they can follow vendors' Official Account to pay their transactions.

Starting Price: Free

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Sentz

Sentz is a global digital wallet that allows users to send, receive, save, and earn money instantly using stablecoins. It enables users to hold and transact in eUSD, a stablecoin designed to maintain a 1:1 value with the US dollar. With Sentz, users can send and receive money globally in seconds using just a phone number, without needing a traditional bank account. The platform offers low transaction fees, helping users keep more of their money. Sentz Earn allows users to grow their balance by earning up to 8% annually with no lockups and full control over their funds. Funds can be deposited or withdrawn via local banks or USDT and USDC. Built with end-to-end encryption, Sentz prioritizes privacy, security, and ease of use.

Starting Price: Free

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Postepay

With IBAN you credit salary or pension directly on the prepaid card, send and receive wire transfers. Give us the utilities and pay for the bulletins. Contactless and online pay with Apple Pay with Google Pay. You pay online and in stores, both in Italy and abroad, using only your smartphone. With IBAN you credit your salary or pension directly on the card, and you have and receive wire transfers. Shop in Italy and abroad, and on VISA-affiliated websites. Pay online and authorize your purchases in the app. Download the Postepay app for free and request the prepaid card that best suits your needs directly in the app. With the Postepay connect offer, you also receive the SIM PosteMobile with the telephone plan you have chosen. Receive your new Postepay prepaid card at the address indicated by you and, if you have chosen the Postepay Connect offer, you also receive the PosteMobile SIM together. Activate them online or in the app and immediately start using them.

Starting Price: €5 per month

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Swiff

SwiffPay is the world's first white-label mobile payment platform that offers a patented, bank-standard security. Through Swiff's suite of ecommerce solutions, this innovative and unique technology provides acquiring banks the tools to roll out mobile strategies that enable bank-level secured, authenticated transactions. In addition to traditional payment methods, SwiffPay also supports cryptocurrency payments, allowing users to seamlessly transact with digital currencies. With SwiffPay, you can experience the convenience and security of mobile payments, including the ability to make transactions using cryptocurrencies. Swiff is a mobile payment platform designed to help merchants make and receive credit card payments using mobile devices. Featuring cutting-edge authentication and identification technology, Swiff provides a high level of security unprecedented in the world of mobile payments.

Starting Price: Free

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Alipay Plus

Alipay

A suite of cross-border mobile payment and digitalization technology solutions connecting global brands with mobile-savvy consumers worldwide. Access multiple e-wallets and payment methods worldwide on a single platform. Cross-border payments and digitalized solutions from Alipay+ enable consumers to pay like a local, using their preferred digital wallets and banking apps with millions of businesses. A one-time integration with Alipay+ aggregates mobile payment apps serving over 1 billion users, bringing your merchants more benefits. Alipay+ removes the hassle of negotiation and individual contract signing with each mobile payment method, as well as separate integrations each time a new method is introduced. With Alipay+, there's no need to worry about different specifications, currencies, and terms. Online and in-store checkout acceptance. A single integration for multiple payment methods.

Starting Price: Free

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TrueMoney

TrueMoney is Thailand’s leading financial application for all mobile network users (AIS, Dtac, TrueMove H). Our all-in-one app lets you securely make cashless and cardless payments for all your everyday needs, including mobile top-ups, bill payments, online and offline purchases, and much more. Enrich your daily life, and enjoy exclusive promotions and discounts across a wide variety of merchants and services. Simplify your finances for more possibilities with a high-yield saving account with cashback after spending, buy now pay later, insurance, and investment in various assets. We also empower businesses of all sizes and help SME entrepreneurs to grow their businesses. Pay with confidence knowing that your information is fully encrypted, secured, and protected. Pay with your wallet balance, link a credit/debit card shop at offline stores, or pay bills. Pay online with confidence as you can control payment within the amount that you top-up.

Starting Price: Free

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Touch 'n Go

Touch ‘n Go app allows you to take all your retail needs online. Order food delivery, buy tickets to your next getaway or weekend activity, upgrade your app collection, or even shop on one of the biggest ecommerce platforms in Malaysia all through the app. Your online shopping experience has just gotten better with a simple and secure purchase process. There is no longer a need to leave your home and face crowds when it all can be done through your phone. Have access to some of Malaysia’s most sought-after brands and stores when you shop through the Touch ‘n Go app. You can now enjoy the convenience of transferring funds from participating banks directly to the account of loved ones simply by entering their mobile phone number or account number. Plan your next activity with the Touch ‘n Go app. With just the recipient’s mobile phone number, you can make an instant fund transfer to your family & friends.

Starting Price: $44.93 per month

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Splitwise

Keep track of expenses and balances shared with roommates, travel partners, groups, friends, and family. Control shared expenses and balances and who owes whom. Divide expenses with any group, travel, roommates, friends, and family. Add expenses quickly on the go before forgetting who has paid. Settle debts with friends and record any cash or online payments. Get better organized with receipt scanning, charts and tables, currency conversion, and more. Splitwise is the easiest way to share expenses with friends and family and stop stressing about “who owes who”. Millions of people around the world use Splitwise to organize group bills for households, trips, and more. Our mission is to reduce the stress and awkwardness that money places on our most important relationships. Add expenses, IOUs, or informal debts in any currency, with support for offline entry. Expenses are backed up online so everyone can log in, view their balances, and add expenses.

Starting Price: Free

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Settle Up

Settle Up is a group expense tracker that is available as a web app, iOS app, Android app, and voice assistant app. It keeps track of your group's expenses, making it ideal for travelers, flatmates, couples, and others. All expenses are backed up and synced across the group, allowing each member to view them. The app shows who should pay next and minimizes transactions, reducing disputes over bills. Settle Up supports multiple languages and offers features like recurring transactions, income entries, and exchange rate management. It also integrates with Google Assistant, Alexa, and Cortana for voice command functionalities. Users can import groups from other apps, such as Splitwise, and automate recurring expenses. The platform provides an API for developers and supports Bitcoin payments for settling debts.

Starting Price: Free

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One

One Finance, Inc.

One is a financial technology company, not a bank. One offers a range of features, including debit rewards, early pay, high-yield savings, and no monthly fees. Customers can earn 3% cash back in-store and online at Walmart, up to $50 a year, with eligible deposits. The platform has helped over 500,000 people take control of their credit by providing free weekly credit score insights and a credit builder program with zero fees or interest. One's mobile app is available for download on the App Store and Google Play Store, allowing users to manage their accounts conveniently. The company has partnered with Coastal Community Bank to provide banking services, ensuring that approved deposit accounts are FDIC insured up to $250,000 per depositor through pass-through insurance at Coastal Community Bank, Member FDIC, if certain conditions have been met.

Starting Price: Free

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Azimo

Faster, cheaper global money transfers, the money transfer service for hard-working people. Instant or one-hour transfers possible to 80+ countries 24/7 delivery to selected countries (no weekend delays). Set up your first transfer in minutes. Your first two transfers are fee-free! Great rates & low fees, save up to 90% compared to banks and traditional money transfer providers. Regulated by financial institutions in the UK and the EU, anti-fraud and encryption technology. Trusted by more than 1 million customers. You can transfer money at home or on the move with our award-winning app. Customer support in 8 languages – English, German, French, Spanish, Portuguese, Polish, Russian and Italian. Email and chat support, with in-app phone support available to customers in some markets. Support centre – answers to frequently asked questions and much more. We are the money transfer service for hard-working people.

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QFPay

We enable local and cross-border mobile payments for online and offline retailers around the world. Process payments via all sales channels. We provide solutions for an omnichannel shopping experience. Enrich the customer experience with digital payment methods at every touchpoint which allow for quick and convenient purchases. Accept all payment methods your customers like. Our gateway provides access to domestic and international digital wallets as well as credit cards. Serve both your local audience and tourists from around the world with a push of a few buttons. Customers spend more if they can pay for purchases with their phones. We combine payments with powerful marketing that makes your presence more visible to locals and travellers. Grow sales revenue by enhancing the checkout experience. QF Pay has been established since 2011 and over the years we have built a global network of merchants, customers, mobile wallets and financial institutions.

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UnionPay

UnionPay International (UPI) is a subsidiary of China UnionPay focused on the growth and support of UnionPay’s global business. In partnership with more than 2400 institutions worldwide, UnionPay International has enabled card acceptance in 180 countries and regions with issuance in 70 countries and regions. UnionPay International provides high quality, cost effective and secure cross-border payment services to the world’s largest cardholder base and ensures convenient local services to a growing number of global UnionPay cardholders and merchants. At present, more than 10 million overseas online merchants accept UnionPay Online Payment. These merchants are based in 200 countries and regions, including Hong Kong, Macau, Europe, the US, Japan, South Korea, covering fields of retail, online travel booking, tuition payment, airline reservation etc. UnionPay online payment is designed to ensure the safety of cross-border online payment.

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Maya

Instantly get a secure Virtual Card for all your online buys just by downloading an app. For faster, more efficient, and cost-effective operations, streamline and simplify your payroll needs with Maya. Download the app, register, and get your very own Visa or Mastercard in a snap! Use your PayMaya app to scan a merchant's QR code to instantly acquire their account details, and send your payment directly to their PayMaya wallet. You can use this card at any establishment both locally and abroad, as long as they accept credit or debit cards. This shares the same balance as your Maya account and has an EMV chip for added security. You can even view your transaction history in the app! Equip your business with an integrated POS, QR acceptance, or online checkout systems. Get the latest innovations in payments systems with Maya. Add money with cash at over 40,000 partner nationwide and get shopping!

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GrabPay

Grab

Find digging your wallet for cash a hassle? Just scan the merchant's QR code to pay. Invest from your GrabPay Wallet starting with as little as $1. Check out AutoInvest by GrabInvest. Eligible transactions only stay on top of your spending with instant payment notifications and detailed transaction history. The next time you shop, pay close attention. GrabPay may be offering an awesome deal at your favourite store. Ride, dine, shop and more. All with your everyday everything app. Each GrabPay transaction earns you GrabRewards points, which you can use to redeem attractive rewards. Not sure what to do with your GrabRewards points? Why not offset your payment at a GrabPay merchant? Partnerships with trusted e-payment companies. All your personal information and payment transactions are encrypted and protected with a 24/7 fraud detection engine so you can ride, dine, shop and more, worry-free.

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Fidesmo Pay

Fidesmo

Trusted by the world’s leading payment schemes – Visa and Mastercard – Fidesmo provides oen of the most simple, scalable and secure platforms for tokenized payment. We enable a secure and convenient way to tokenize payment cards onto a variety of devices containing a secure element. We collaborate with more than 800 issuing banks offering their customers Fidesmo Pay to easily and securely tokenize their payment cards to any device. Fidesmo Pay is a pure software platform that allows device manufacturers to select which secure element they prefer based on their device features. Fidesmo Pay is future-proof and is constantly onboarding more and more banks and payment schemes allowing for device manufacturers to focus on business and commercial development rather than integrations. The Fidesmo Pay platform also for full white label solutions and customisations.

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Lydia

With Lydia, you benefit from a current account with a French IBAN and a Visa card to manage all your daily expenses. Free transactions abroad, savings with interest at 0.6%, secure Internet payments, express loans: everything is at your fingertips, directly from your Lydia application. Lydia is an alternative to traditional banking apps for anyone who wants an innovative design, and a unique mobile app to track all your money at a glance and move it with a gesture. Clearer, its interface is also completely customizable. Cards, accounts and receipts can be differentiated and illustrated with photos to be more beautiful and better organized.

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Yoyo Wallet

Yoyo

Make use of QR codes and get used to simple, easy payments. Transform customer and basket data into actionable insights that you can quickly segment and turn into personalized marketing campaigns. From sign up to referral rewards; to location and interest focused offers. Data helps you create campaigns that connect. Identify, target and up-sell slipping customers and get them back in-store with a unique reward that makes you top of mind. Understand your customers, not just through our data insights, but by engaging with them and getting direct feedback. Every product feature has been conceptualized and built to enhance your customers’ lives and build your business. It’s what takes it from a simple incentive program to a powerful rewards solution. One quick scan of the QR code gives you instant, contactless payment, reward redemption, and delivery of an itemized digital receipt.

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letus

letus (previously RentMoola)

Take control of your finances, mitigate risk, open up flexible new ways for tenants to pay--all in one simple platform. The most comprehensive payment network. Contact-free payment options are fast becoming the standard. Through the RentMoola platform, you can enjoy improved liquidity by offering your tenants flexible ways to pay online, phone, or in person. We are partnered with all major credit cards, international payment solutions, banks, stores, and more. For the first time ever, renters can now get access to a credit line that allows them to cover monthly expenses. Property Managers can access working capital to cover expenses in case of emergencies. From payment solutions, to background and credit checks, apartment listing and application management, security deposits, insurance, communcations, and more. RentMoola simplifies the way people manage the way they rent all in one platform. Now more than ever, renters want to manage everything online.

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Best Mobile Payment Apps in the UK

Compare the Top Mobile Payment Apps in the UK as of January 2026

What are Mobile Payment Apps in the UK?

Paywint

Apple Pay

Venmo

Razorpay

PhonePe

Cash App

Strike

Zelle

Walmart Pay

GCash

Meta Pay

WeChat Pay

Sentz

Postepay

Swiff

Alipay Plus

TrueMoney

Touch 'n Go

Splitwise

Settle Up

One

Azimo

QFPay

UnionPay

Maya

GrabPay

Fidesmo Pay

Lydia

Yoyo Wallet

letus

Best Mobile Payment Apps in the UK

Compare the Top Mobile Payment Apps in the UK as of January 2026

What are Mobile Payment Apps in the UK?

Paywint

Apple Pay

Venmo

Razorpay

PhonePe

Cash App

Strike

Zelle

Walmart Pay

GCash

Meta Pay

WeChat Pay

Sentz

Postepay

Swiff

Alipay Plus

TrueMoney

Touch 'n Go

Splitwise

Settle Up

One

Azimo

QFPay

UnionPay

Maya

GrabPay

Fidesmo Pay

Lydia

Yoyo Wallet

letus

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