# Satispay: Pay and invest — Payments, Pay in 3, PagoPA > All-in-one app for payments, savings, investments, and managing personal finances. (iPhone/iPad app by MOMENTUM S.P.A.) - Source: https://appshunter.io/ios/app/satispay-pay-and-invest/id790287076 (this page in markdown: same URL + `.md`) - Developer: [MOMENTUM S.P.A](https://appshunter.io/developer/737840318) - Category: Finance, Lifestyle - Price: Free - Rating: 4.80/5 from 193 App Store ratings · 9 written reviews indexed - Age rating: 4+ - Requires: iOS 15.0 · 207 MB - Languages: American English, French (France), German (Germany), Italian - Released: 2024-08-23 - Data updated: 2026-08-29 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/satispay-pay-and-invest/id790287076/reviews.md ## What is Satispay? Satispay is the simple way to pay, invest, split your purchases into interest-free instalments, and manage your money, all in one app. Join over 6,000,000 people who have already transformed the way they pay with Satispay, the everyday payment app for iPhone and Ipad. Satispay simplifies every payment, from purchases in physical and online stores, to instant and free money exchanges among friends, to public administration payments (pagoPA), road tax, gift cards, mobile top-ups, savings management, and more, directly from your smartphone.* And that’s not all: with just a few taps, you can also start investing. No minimum amount required, no complexity, everything is done from the app. Are you a parent and want to send digital pocket money to your children aged 14 to 17? You can! Satispay is a perfect payment app to empower them and simplify your life. Sign up now and remember to have on hand: • an identity document • the IBAN of your current account Enjoy your shopping: • Buy with your smartphone or iPad at stores near you and earn points! • Activate convenient automatic and recurring payments Investing made simple • Invest in funds, stocks, and ETFs: over 1,000 instruments available directly in the app. • Start investing with as little as €1, thanks to fractional stocks and ETFs. • Invest manually or set up recurring transfers: daily, weekly, or monthly. • Zero buy fees on all Vanguard ETFs with a recurring transfer. • Withdraw whenever you want, with no strings attached. Satispay Cards: Your Mastercard debit card • Get your Satispay card included in your plan with no issuance fees: the virtual version is instantly active, order the physical one and receive it at home in just a few days. • Pay worldwide and earn Satispay points to convert into discounts at over 400,000 shops. • With Metal and Velvet plans: zero extra fees on foreign currency payments and access to over 1,400 airport lounges. Pay in 3 with Satispay • 3 interest-free instalments: split your purchases with zero interest and no extra costs. • One-tap payment: select "Pay in 3" at checkout. No new accounts, no redirects. • Total flexibility: available in-store and online, wherever the service is active. Simplify every payment • Pay road taxes** wherever you are • Settle MAV bills and public administration notices (pagoPA) in just a few taps** • Donate to a non-profit association every month** Send and receive money • Settle a small debt, even remotely, with all your contacts • Instantly recharge your or a friend's mobile credit** Rest assured, you are safe: • Satispay is a certified and authorized electronic money institution by CSSF • The app is protected by a 5-digit PIN or your FaceID or fingerprint • No sensitive or personal data is shared with third parties • Your app Balance is fueled from your current account through the IBAN, which is not sensitive for security purposes Paying and investing has never been this easy: all your needs in one app. To learn more, visit www.satispay.com and follow us on Facebook (facebook.com/satispay), X (@satispay), and Instagram (@satispay). * Payment services provided by Satispay Europe S.A., an electronic money institution regulated by the CSSF (No. W00000010). Investment services are provided by Satispay Invest S.A., an investment firm authorized and regulated by the CSSF (No. P555). Investing involves risks. ** Services available only in Italy. ## Key features - Contactless payments in stores - Online payment security - Money transfers between friends - Public administration payments (pagoPA) - Mobile top-ups and gift cards - Investment options with no minimum - Savings management and moneyboxes - Loyalty program with points and discounts ## Recent user reviews (9 of 9) All indexed reviews: https://appshunter.io/ios/app/satispay-pay-and-invest/id790287076/reviews.md ### 1/5 — Really bad communication *2026-06-25, version 4.36.0* I need to pay an Italian company from the UK. I downloaded the app yesterday. I tried to create an account but the sms the verification never arrived. I tried and waited multiple times. Wrote an email, they never got back to me. Really annoying. ### 5/5 — La applicazionr meno userfriendly del mondo *2026-04-10* È da mesi che cerco di lasciare le app americane per passare ad una europea, ma niente- non funziona nulla. **Developer response:** Ciao 🤗 Non riesci ad iscriverti o hai un account e non riesci ad effettuare pagamenti? Scrivici su support@Satispay.com, così verifichiamo 😉 ### 1/5 — ¿Escasez de idiomas? *2026-02-23, version 4.27.0* Alrededor de unos 636 millones de personas en el mundo hablan español…¿para cuando pensais actualizar el listado de idiomas?! ### 1/5 — Too slow to be useful *2025-12-20* Takes far too long to add money to the account, days after my bank shows it as being taken. Looks vaguely useful as an app in theory, but too much hassle in reality. Maybe also why many shops locally have stopped accepting it? **Developer response:** Top-ups could take a few time to be completed, above all for the first ones or if you have previous ones failed ☺️ Feel free to reach out to support@satispay.com if you need any further! ### 1/5 — Too late to do things *2025-11-28* 4 days and still my money is not transferred, i missed my bill due because of this useless app, even their assistance takes one day to respond!! **Developer response:** HI 🙌 Transfers to and from Satispay account could take a few days in order to be completed, as it is written in App. For any doubt please reach out to us to support@satispay.com 📩 ### 1/5 — Useless *2025-09-10* Requires every form of id, won’t text international/overseas numbers and is arguably the most useless collector of data available **Developer response:** Hi ☺️ Satispay can only be used by citizens residing and/or domiciled in the following countries: Germany, Austria, Belgium, Denmark, Spain, Estonia, Finland, Metropolitan France, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Norway, Netherlands, Poland, Portugal, Czech Republic, Slovakia, Sweden, Bulgaria, Cyprus, Romania, Slovenia, Malta, Croatia, Iceland, and Liechtenstein. Feel free to reach out to support@satispay.com if you need any further 🚀 ### 1/5 — Ludicrously bad *2025-02-04, version 4.11.0* Installed this junk yesterday on Sunday, during set up process you gave to get a code sent by text. Requested this several times but it never appeared. Sent an email to them requesting assistance. Still waiting for a reply. How can I trust an app whose developers are this useless. Deleted now. Never using again ### 1/5 — Cannot even sign up *2024-09-17* Never received sms. Perhaps it’s not working I the US, but even then they should communicate that somehow. **Developer response:** Hi! Satispay can only be used by citizens residing and/or domiciled in the following countries: Germany, Austria, Belgium, Denmark, Spain, Estonia, Finland, Metropolitan France, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Norway, Netherlands, Poland, Portugal, Czech Republic, Slovakia, Sweden, Bulgaria, Cyprus, Romania, Slovenia, Malta, Croatia, Iceland, and Liechtenstein. More info in our Help Center or reach us out to support@satispay.com! ### 1/5 — Esperienza pessima *2024-03-14, version 3.39.2* La mia esperienza con Satispay è stata pessima. Per un errore commesso involontariamente non sono riuscita ad inserire il codice promozionale. È difficile comunicare con il customer service e sono anche rigidi e maleducati. La Filosofia ‘il cliente ha sempre ragione’ non esiste in Satispay. ## Frequently asked questions about Satispay ### What can I do with Satispay? Satispay allows you to make payments in physical and online stores, exchange money instantly with friends, pay public administration bills (pagoPA), top up your mobile, buy gift cards, manage savings, and even start investing with no minimum amount required. ### How does the loyalty program work? You earn Satispay Points every time you pay with the app. These points can be grown using Multipliers and redeemed for discounts at over 400,000 partner stores, both online and in physical locations. ### Is Satispay free to use? Yes, Satispay is free to use for most transactions, including payments, money exchanges, and managing your finances. There are no fees for basic usage, and the app is free to download and sign up for. ### What are the investment features? You can start investing directly from the app by choosing from three available funds based on your goals and risk profile. There is no minimum investment amount, and you can withdraw your funds at any time. Recurring transfers can also be set up. ### What information do I need to sign up? To sign up for Satispay, you will need an identity document and the IBAN of your current bank account. This information is used to verify your identity and link your bank account for transactions. ## Version history (last 5 releases) ### 4.40.0 — 2026-08-25 We are always working to improve your Satispay experience. Update the app: we've optimized performance and fixed some bugs. ### 4.39.0 — 2026-08-10 We are always working to improve your Satispay experience. Update the app: we've optimized performance and fixed some bugs. ### 4.38.2 — 2026-08-05 We are always working to improve your Satispay experience. Update the app: we've optimized performance and fixed some bugs. ### 4.38.0 — 2026-07-27 We are always working to improve your Satispay experience. Update the app: we've optimized performance and fixed some bugs. ### 4.37.1 — 2026-07-14 We are always working to improve your Satispay experience. 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User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-29.*