Earn 1% cashback
every time you spend
It only takes 5 minutes to open an account.
1% cashback. Anywhere. Anytime.
Earn 1% cashback on every purchase, every time you spend. From fries to flights, currywurst to cameras.
Save your cashback, or spend it wherever, whenever you want.
Get 1% cashback on up to €1,000 of eligible card spend each month. You can earn up to €10 cashback per calendar month.
How it works
➊ Verify your identity
Only humans can use SumUp Pay
➋ Create your virtual Mastercard
Add the card to your Apple Wallet or Google Wallet
➌ Add money to your account
It’s quick and easy, so you can start spending straight away
➍ Pay online or in-store
Spend where suits you
➎ Instant cashback
Earn 1% cashback wherever you spend
Secure contactless payments
Spend, send and earn cashback the moment your account is set up. Add your SumUp Pay Mastercard to your Apple Pay or Google Pay wallet for contactless payments. Each transaction is verified by Touch or Face ID for a safer way to pay.
Access your money on the go
Keep track of your spending and send money when it suits you, wherever you are in the world, with our mobile app.
A free account with zero fees
Keep more money in your pocket with our free account. There are no hidden fees, no monthly subscriptions or out of the blue charges. Just an easy, mobile way to manage your money.
Stay in the know of where your money goes
You’re in control of your finances with instant notifications that pop up the moment you spend, send or receive money. You’re always the first to know what’s happening with your money.
Stay in the know of where your money goes
You’re in control of your finances with instant notifications that pop up the moment you spend, send or receive money. You’re always the first to know what’s happening with your money.
4M+
people trust SumUp with their money
12
years of financial expertise
30+
countries SumUp operates in
4M+
people trust SumUp with their money
12
years of financial expertise
30+
countries SumUp operates in
Built-in security. No need for a key.
Backed by biometrics – use Touch or Face ID for a safer way to pay
Freeze and unfreeze your card with one tap
EMI licensed financial institution in the UK & EEA
Human help when you need it most with online customer support
Earn cashback worldwide
Enjoy fee-free spending abroad with your SumUp Pay Mastercard. Get 1% cashback wherever you spend.
Get your money moving
Pay friends. With ease.
Forget the awkward “I owe you” and send and request money from your contacts with one tap within the app.
Transfer funds. For free.
Bank transfers are the safe and swift way to send money between accounts. For added security, we ask for your Touch or Face ID every time you transfer. Once you've added an account, we'll save the details for faster transfers next time.
It only takes 5 minutes to open a SumUp Pay account
Download the SumUp Pay app on iOS or Android to start spending and earning cashback straight away.
Your questions, answered.
What is SumUp Pay?
SumUp Pay is an account that allows you to pay online and in-store with a virtual Mastercard, and earn cashback on every purchase. SumUp EU Payments UAB holds an e-money licence and is authorised and supervised by the Bank of Lithuania.
Who can open a SumUp Pay account?
To open a SumUp Pay account, you need to:
Be at least 18 years old
Be present in Germany to open your account
Have your permanent residence in Germany
Own a smartphone supporting our app (iOS 15 or above and Android 6 or above operating system)
Have a European mobile phone number
Is my money safe with SumUp Pay?
Yes. With SumUp Pay, your money is protected. As an e-money institution, we are obliged to safeguard your money as per the Directive (EU) 2015/2366 (PSD2).
How do I pay with SumUp Pay?
To pay with SumUp Pay, you need to add money to your SumUp Pay wallet. When you make a payment, the money will be deducted directly from your balance.
What is cashback?
Cashback is a loyalty programme that lets you earn a percentage of your money back when you make purchases. You'll earn 1% cashback when you spend with SumUp Pay, excluding gambling transactions, crypto purchases, or topping up a wallet you have with another provider.
How does the cashback programme work?
When you spend with SumUp Pay, you receive 1% cashback on every purchase, in-store or online.
Your cashback is automatically stored in a cashback pot within the app. To spend the cashback, you must withdraw it to your balance. You can then redeem your cashback when you pay with the app or SumUp Pay card.
How will I receive my cashback?
The cashback is credited to you after the purchase and is deposited into a cashback pot. To spend the cashback, transfer it to your balance.
Is there a limit to how much cashback I can earn?
There is a cashback cap of €10 within a calendar month period.