hypoPAY

hypoPAY: your smart wallet

No more baggy trouser pockets and no more searching for a purse. How does that sound? With the hypoPAY app - your digital wallet - you can finally leave your wallet at home. From now on your smartphone takes over!

hypoPAY works with the operating systems Android (from version 6). The app is protected against unauthorized access by entering your Internet banking access data (user name and password) and the general locks (eg code or fingerprint).

The app is protected against unauthorized access by entering your email, password, and general locks (such as code or fingerprint).

"SmartCARD": your digital bank card
Ingenious digital: pay with your smartphone
Numbers without bills and coins. And now without "plastic money". Totally digital and ingeniously simple: with the smartphone.

Shopping conveniently: without cash and card in your luggage.

Pay smart: with your digital debit card (debit card) or credit card on your smartphone.

Always and everywhere: at all point-of-sale terminals with contactless NFC function.
And best of all: Your digital maps work 1: 1 like the "old familiar" variant.

The same applies here:

* Pay up to 25 euros without contact, without code.
* From 26 euros you use the same PIN as your physical card.
* All limits of your debit or credit card apply equally to digital payments. Payments with the haptic card and the digital version are simply added together.

To save a digital copy of your debit or credit card on your smartphone.

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ZOIN - Good bill, good friends

Transferring, receiving or requesting money with friends has never been so easy. And never so fast. With the ZOIN feature, money changes hands over the phone. Real time. ZOIN works via your debit card. All data is encrypted. That's why ZOIN is not only fast, but also safe.

Send and receive money
Instead of IBAN and BIC, one click is all it takes - provided the sender and recipient are registered for ZOIN:

1. Select contact or phone number.
2. Enter the amount
3. confirm with PIN - done.

Request money
"Request money" and "chat" inform your friends about open amounts.

Please note the following requirements:

* ZOIN is available to you from the age of 14
* You have the hypoPAY app installed on your smartphone
* You will need a Maestro debit card at Hypo Tirol Bank and access to internet banking hypo @ home
* The amount you wish to transfer must be available in your account

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Digital customer cards - Simply smart! Your cards will be digital

No more card chaos! With the hypoPAY app, you always have your loyalty card with you when you need it. Ready to grip on your smartphone. Simply scan the bar code of your loyalty card and benefit from the benefits.

Your hypoPAYy app is constantly being enhanced with new features.