Pay with your smartphone: cashless and convenient.
Payment habits are changing—cashless methods are becoming increasingly popular. One method in particular is gaining popularity: paying with your smartphone. No wonder, since it makes everyday payments incredibly easy. Don’t feel like waiting in long checkout lines? girocard with girocard is quick and easy. All you need is a girocard—the bank card you typically receive Sparkasse from your bank or Sparkasse when you open a checking account. You can then use this physical card or, alternatively, the digital card your smartphone—to make payments just as you normally would. Want to know how to pay with your smartphone? Here’s everything you need to know about paying with your cell phone.
Why paying with a smartphone is so popular
Whether it’s a coffee to go on the way to work or a snack at the gas station—people quickly card their card and pay cashless. It’s becoming increasingly rare—and less desirable—to dig out loose change from one’s pocket. Even in Germany, where cash has traditionally been used more frequently than in other European countries, cashless payments are now the norm. This is demonstrated, among other things, by two recent studies from infas quo and the CFIN Research Center for Financial Services at Steinbeis University. The key findings: card payments, accounting for 40 percent of transactions, card now more popular than cash payments (37 percent). Sixty-seven percent of all respondents consider card payments to be (very) important—this is especially true for the younger generation (up to age 29), among whom 76 percent prefer to pay cashless. Only a very small minority can imagine doing without card payments (35 percent).
When it comes to paying with cash, the trend is going in the opposite direction, especially in the younger age groups: a whopping 61% of 18 to 34-year-olds could do without cash altogether. Only very few can imagine doing without card payments (35%). When it comes to paying with cash, the trend is going in the opposite direction, especially in the younger age groups: a whopping 61% of 18 to 34-year-olds could do without cash altogether.
Paying with a smartphone is clearly all the rage—so now is the perfect time to switch to digital payments using your smartphone. The only thing left to figure out is how card the digital card .
How do I set up payment with my cell phone?
Integrating your digital girocard on your smartphone is easier than you might think. However, the process varies slightly depending on the bank and model or operating system of the smartphone, but generally follows these steps:
- Make sure that your smartphone is NFC-capable. Almost all modern devices meet this requirement.
- Download the banking app for your bank or Sparkasse the "Digital Payment" app.
- Log in to the app and look for the option to set up a digital card.
- Follow the instructions in the app to digitize your girocard.
With your digital girocard on your smartphone, you are now perfectly equipped for your next purchase. Whether supermarket, bakery or drugstore - wherever you see the contactless payment symbol, you can now easily pay with your cell phone. Visit our digital girocard page for more information about the setup and options. There you will also find information on which banks already support the digital girocard.
Pay with your smartphone - all the advantages at a glance.
Paying by smartphone offers you a range of benefits that make your everyday life noticeably easier. Here you can find out why more and more people are switching to smartphone payments.
- Quick: No more fumbling for change or the right card. Just tap the terminal briefly with your smartphone, and the payment is complete.
- Convenient: you always have your digital girocard with you. You can even store several cards in one app.
- Secure: Your digital girocard is protected by several layers of security. If you lose your smartphone, you can have your digital girocard blocked.
- Clear overview: Most banking apps offer you a detailed overview of your spending. This allows you to keep a better eye on your finances.
- Flexible: You can now easily pay with your smartphone in most situations.
- Intuitive: The possibilities of your digital girocard are constantly growing - many apps offer additional functions in addition to payment.
It’s clear that the digital transformation is bringing about lasting changes to payment habits in Germany. For you as a girocard user, this shift offers greater convenience and speed when making payments. card physical card innovative digital payment methods are playing an increasingly important role in our daily lives. The trend is clear: The future of payments is digital.
