RaiPay: One App for Every Card, Every Payment, Every Reward

Streamline your daily life by digitizing your loyalty cards, tracking online subscriptions, and sending secure payments instantly—the ultimate tool for your frictionless, mobile-first lifestyle.

Business & Finance ›

Publisher

Raiffeisen e-force GmbH

Your Wallet, Reimagined

Discover the interface used by 447K+ users.

RaiPay mobile app interface for person to person money transfers featuring a smartphone icon

RaiPay app screen displaying a list of connected digital cards and merchant subscriptions like Spotify and Amazon

Your Financial Life, Fully Streamlined

The tools that make this app stand out, trusted by 447K+ users.

💸

Instant P2P Transfers

Send money to friends and family in seconds. Skip the social media fluff and enjoy fast, direct transfers that value your privacy.

💳

Subscription Transparency

Gain total control over your digital footprint. See exactly which cards are linked to your online merchants and recurring subscriptions.

📱

The End of Wallet Clutter

Digitize every loyalty card in seconds. Maximize your rewards and points at checkout without ever carrying a physical card again.

Loved by users worldwide

Trusted by 447K+ people who love this app.

"RaiPay has completely replaced my physical wallet. I love how I can send money to my friends instantly after dinner without the awkward 'I'll pay you later' talk. Plus, having all my bank cards in one secure app makes my daily life so much smoother."

Lukas M.

"The loyalty card feature is a lifesaver! I used to have a wallet full of plastic tags, but now I just scan my phone at the checkout. I also love the transparency of seeing which online shops have my card on file—it makes managing my subscriptions so much easier."

Sarah K.

Review Analysis

Insights from user reviews.

Sentiment Score

34%

Negative

Summary

This mobile app receives mixed to predominantly negative feedback from users. Many report significant functionality issues, including persistent errors, crashes on specific iOS versions (e.g., iOS 17.4.1, iOS 16.0.1 on iPhone 14), and difficulties with card activation, adding new cards, and completing money transfers. A major point of dissatisfaction is the absence of push notifications for credit card transactions, with users finding the existing SMS alerts outdated, and a strong demand for a Romanian version of the app. Despite these challenges, positive aspects highlighted include the app's real-time transaction display, convenience for viewing card balances without full ELBA login, and appreciated improvements in P2P payments and credit-to-current account transfers.

Common Themes

Ease of Use & Simplicity(4)

Real-time Card Transaction Display(4)

ELBA Login Convenience(2)

Money Transfer & P2P Features(2)

Credit Card Integration(2)

Design Potential(1)

About the app

Everything you need to know about RaiPay.

Description

Mit RaiPay alle digitalen Karten immer dabei- Nutzen Sie mit RaiPay all Ihre Debit- und RBI-Kreditkarten von Raiffeisen, HYPO Oberösterreich und HYPO Salzburg, um Geld von Person zu Person zu senden und Ihre digitalen Karten immer im Blick zu behalten. Die RaiPay-Funktionen im Überblick: Geld von Person zu Person senden Nie wieder „Ich geb´s dir später!“ Mit dieser Funktion senden Sie schnell und bequem Geld an eine gewünschte österreichische Empfängerkarte (Debit- und/oder Kreditkarte). Fügen Sie beim ersten Mal die Empfängerkarte hinzu und geben Sie den Namen ein. Schon ist alles für das nächste Mal gespeichert. Es ist keine Registrierung des Zahlungsempfängers nötig. Digitale Kartenanzeige RaiPay bietet Ihnen eine einfache und klare Übersicht all Ihrer digitalen Karten in Bezahlwallets und Verbindungen zu Online-Händlern oder Abo-Diensten. Diese können direkt in der App angezeigt werden. Digitale Kunden- und Vorteilskarten nutzen Mit der Loyalty-Funktion haben Sie all Ihre Kundenkarten jederzeit in RaiPay verfügbar. Scannen Sie zum Digitalisieren die physische Kundenkarte oder tippen Sie die Nummer des Barcodes ein.

Latest Version

1.33.4

Size

78.9 MB

First Released

Jun 7, 2022

Ready to Declutter Your Digital Life?

Join over 447,000 users who trust RaiPay to streamline their payments, manage subscriptions, and digitize loyalty cards in one secure, bank-backed app.

FAQ

Frequently Asked Questions

Everything you need to know about RaiPay

What is the purpose of the RaiPay app?

RaiPay allows users to manage all digital debit and RBI credit cards from specific Austrian banks. It also enables person-to-person money transfers and manages digital customer and loyalty cards.

Which banks' cards can I use with RaiPay?

RaiPay supports debit and RBI credit cards from Raiffeisen, HYPO Oberösterreich, and HYPO Salzburg. These digital cards are always available within the application.

How does the "send money" feature work in RaiPay?

RaiPay's "Send money from person to person" feature allows quick transfers to an Austrian recipient's debit or credit card. No payee registration is necessary; the sender adds the card once.

Can I view my digital payment cards in the RaiPay app?

Yes, RaiPay provides a clear overview of all digital cards. This includes cards linked to payment wallets, online merchants, and subscription services directly within the app.

How do I add loyalty cards to RaiPay?

To add loyalty cards, users can scan the physical customer card. Alternatively, they can manually enter the barcode number directly into the RaiPay app.

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