The Finance Base / Money transfer apps / Satispay
satispay.com
Satispay
Satispay, headquartered in Luxembourg, provides a mobile wallet for payments. Through it, users handle QR and web checkouts, transfers between contacts, bills, taxes, top-ups, saving, shared funds and gift cards. Signup and several services cost nothing, while instant top-ups, utility or tax…
Visit satispay.com ↗ What it costs
- 8.5 No. 11on Money transfer apps
- Free plan · paid from €0price, as published
- Oct 14, 2026read on
What Satispay costs
- Red €3.99 / month
- Standard Free
- Satispay Red €39.99 / year
Standard is free. Instant funding costs €1.00, as do utility, PagoPA and vehicle-tax payments. Red is €3.99 monthly, while Satispay Red is €39.99 annually. ATM and foreign-exchange charges depend on plan limits.
As satispay.com publishes them, read Sep 22, 2026. Fees, tax and exchange rates can differ when you pay; check the provider's own page first.
Its statement
- Fee shown before you pay
- Yes
- How fast it lands
- instant
- Free plan
- Yes
- Free trial
- Not stated
- Runs on
- iPhone Android Web Windows · Mac
- Facts on record
- 47
Fee shown before you pay
Strengths and limits
Strengths
- Broad wallet for payments, transfers, bills, taxes, savings and top-ups
- Free Standard plan and several free payment services
- Instant transfers with tracking and scheduled-transfer support
- Business API, guides and major e-commerce plugins
Limits
- €1 fees apply to instant funding and to utility, PagoPA or vehicle-tax payments
- ATM and foreign-exchange charges apply after plan thresholds
- Reviews report delayed support, top-ups and account closure
What Satispay does
Satispay is a mobile wallet for paying stores and online checkouts, sending or requesting money from contacts, paying services and taxes, saving spare change, and investing.
At a physical retailer, users scan the Satispay QR code; for online shopping, they select Satispay and approve the payment in the app. It also handles PagoPA notices, phone top-ups, vehicle taxes, shared money pools, recurring budgets and gift cards. Rewards from payments become points that users can redeem against purchases at over 450,000 physical and online merchants and in-app services.
Fees and plans
Satispay lists signup, account closure, standard or budget top-ups, bank-transfer funding, automatic payments, donations and SEPA transfers at no charge. Adding funds instantly costs €1.00. Utility, PagoPA and vehicle-tax payments each carry a €1.00 charge. Under the stated conditions, an insufficient-funds payment costs €0.25.
The no-fee Standard plan allows €5,000 per week. Up to €200 or five ATM withdrawals each month are free; thereafter the charge is 1.9%, with a €1 minimum. Foreign exchange has no fee through €1,200 monthly, then incurs 0.5% plus 1% on weekends.
A monthly Red subscription is €3.99 and sets a €3,000 daily spending ceiling, with €200 or five monthly ATM withdrawals included. Satispay Red, billed annually at €39.99, keeps that daily limit; withdrawals beyond €200 or five per month cost 1.9% plus 0.5% on weekends, subject to a €1 minimum. Currency conversion is free up to €3,200 monthly, then costs 0.5%.
The supplied information does not state prices for gift cards, cashback redemption or investing.
Where it runs
Satispay lists apps for iPhone and Android, plus web, macOS and Windows access. It also publishes an API for software integrations.
Its app brings together QR and web checkout payments, contact transfers, bills, taxes, top-ups, savings, money pools and gift cards. The facts do not describe additional phone restrictions.
Protection, as Satispay publishes it
Satispay says its safeguards consist of advanced encryption, a five-digit PIN and an instant block when a phone is lost or stolen.
Satispay reports that its group information-security management system aligns with ISO/IEC 27001 and includes Satispay Europe, SatisWelfare and Satispay Invest. Developer guidance has required integrations to use HTTPS with TLS 1.2 or higher since May 2023.
The supplied information does not state a licence, regulator, deposit-protection scheme, two-factor sign-in or a dispute process.
Strengths
One app covers shop and online payments, person-to-person transfers, bills, taxes, phone top-ups, savings and shared pools.
Standard signup and several recurring payment services are free. Transfers are described as instant, and the app provides transfer tracking and scheduled transfers.
For businesses, Satispay provides API guides, examples, a changelog and official e-commerce plugins for Shopify, Shopware, WooCommerce, PrestaShop and Magento 2.
Catches
Paid events include €1 instant top-ups, €1 utility or tax payments and €0.25 insufficient-funds payments under stated conditions. Plan limits and ATM or foreign-exchange charges change by tier.
The facts do not specify supported countries or currencies, so availability needs checking before signup. Red plans also impose monthly or annual charges.
Reviews mention top-ups arriving late, slow support, trouble closing accounts and withdrawals disputed after closure requests. An outage-reporting site recorded payment failures, instant-top-up outages, login errors and slow Business transactions between 2024 and 2025.
A merchant review reported transaction-history delays of more than a week and no daily closing in the app.
Who should skip Satispay
Satispay may not fit someone needing published country, currency, licensing or deposit-protection details, or a clearly stated dispute process. It may also be unsuitable where account-closure support or uninterrupted top-ups are essential.
Verdict
Satispay suits users who want one phone wallet for local payments, contact transfers, bills, taxes, top-ups and savings, with a free Standard tier and published Red options. Its business side has documented API and plugin routes.
It is a weaker fit for readers who need clearly published geographic or currency coverage, formal protection details, or predictable support during account closure and top-up problems. The main cost questions are the €1 paid actions, plan limits, ATM thresholds and foreign-exchange markups.
Who it suits
Pick it if
- People wanting one app for local payments and household services
- Businesses needing API or e-commerce plugin options
- Users comfortable with published plan thresholds
Skip it if
- You need stated country, currency, licence or deposit-protection coverage
- You require a published dispute process or dependable account closure
- You expect unlimited free ATM use or foreign exchange
Facts we read
- API documentationSatispay publishes guides, API documentation, a changelog, discussions, examples and payment-flow explanations. · developers.satispay.com, Oct 14, 2026
- API extensibilitySatispay says its API can be integrated into any software when no suitable plugin or PSP exists. · support.satispay.com, Oct 14, 2026
- API onboardingThe documented integration path is sandbox account creation, authentication review, core-information review, use-case selection and API integration before opening a Business account. · developers.satispay.com, Oct 14, 2026
- API termsUsing the Business API requires agreement to Satispay Business API Terms of Use. · developers.satispay.com, Oct 14, 2026
- API transportThe developer documentation says that from May 2023 integrations require HTTPS with TLS 1.2 or higher. · developers.satispay.com, Oct 14, 2026
- CashbackPayments earn points redeemable for discounts across more than 450,000 physical and online stores and in-app services. · satispay.com, Oct 14, 2026
- Company headquartersLinkedIn lists Milan, Lombardy as headquarters and Piazza Fidia 1 as the primary location. · linkedin.com, Oct 14, 2026
- Company sizeLinkedIn lists Satispay as privately held with 501–1,000 employees. · linkedin.com, Oct 14, 2026
- Crunchbase investorsCrunchbase lists 26 investors, including Lightrock and Addition, and 12 funding rounds. · crunchbase.com, Oct 14, 2026
- Upfront fee displayYes · satispay.com, Sep 22, 2026
- FoundedLinkedIn lists 2013 as the founding year. · linkedin.com, Oct 14, 2026
- Free planYes · satispay.com, Sep 22, 2026
- Free servicesSignup, account deactivation, standard and budget top-ups, bank-transfer top-ups, automatic payments, donations and SEPA transfers are listed as free. · satispay.com, Oct 14, 2026
- FundingTechCrunch reported on 28 September 2022 that Satispay raised €320 million at a valuation above €1 billion. · techcrunch.com, Oct 14, 2026
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Questions
Is Satispay free?
The Standard plan is free. Signup, account deactivation, standard and budget top-ups, bank-transfer top-ups, automatic payments, donations and SEPA transfers are listed as free.
What does an instant top-up cost?
An instant top-up is priced at €1.00. Standard and budget top-ups and bank-transfer top-ups are listed as free.
Does Satispay charge for bills or taxes?
Utility, PagoPA and vehicle-tax payments cost €1.00. The app can scan and pay PagoPA notices and supports car and motorcycle tax payments.
How are the Red subscriptions priced?
The monthly Red option is €3.99, and Satispay Red costs €39.99 per year. Each has a €3,000 daily spending limit, with ATM and foreign-exchange rules that differ.
Where can Satispay run?
Satispay lists iPhone and Android apps, plus web, macOS and Windows access. It also offers an API for software integrations.
Does Satispay support transfers?
Users can send or request money from contacts in real time. Transfers are described as instant, with tracking and scheduled-transfer support; SEPA transfers are listed as free.
What security does Satispay describe?
Satispay says it uses advanced encryption, a five-digit PIN and immediate blocking after a phone is lost or stolen. It also says its security system aligns with ISO/IEC 27001.
Is Satispay yours?
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