MobilePay

What MobilePay is

MobilePay is a free Android and iOS app for sending and requesting money, splitting expenses, paying businesses, and collecting shared funds. Users can send or request money with a recipient's phone number or QR code; transfers are described as immediate. Groups can split expenses, while a Box keeps collected shared money separate from personal funds. When two people exchange money for the first time, the app creates a chat that summarizes transfers, requests, and messages. MobilePay supports online and in-store business payments. Its Get paid option lets merchants accept MobilePay, Visa, and Mastercard payments on a phone, send payment links, and invoice customers; card acceptance needs no extra equipment or separate app. Logging in on a new device requires MitID and an SMS code, and each payment or transfer requires a code or Face ID confirmation. The app can be active on only one device at a time, and users can block unwanted contacts. Private payments to businesses have no charge, though fees apply in some situations. Get paid has no monthly subscription price and bills 0.99% of transaction value.

Who it suits

It suits individuals who want to send or request money, split shared costs, or pay businesses. Its Get paid option is aimed at merchants who need payment links, invoicing, or phone-based card acceptance.

Limits

The MobilePay for private plan charges 1% on transfers above DKK 4,000 to the same person within 24 hours, DKK 19 per DKK 1,000 paid into a Box, and 4% for international transfers, excluding Greenland and the Faroe Islands. Get paid bills 0.99% of transaction value and requires a MobilePay agreement.

Getting started

1. Visit the MobilePay website.
2. Download the app for Android or iOS.
3. For private use, choose the MobilePay for private plan.
4. For merchant payments, arrange a MobilePay agreement for Get paid.
5. When logging in on a new device, use MitID and an SMS code.

Verdict

MobilePay covers personal transfers, shared expenses, collections, and merchant payments in one app. Check the authentication requirements and applicable fees, including the transaction charge for Get paid.