---
title: "Payconiq – BGL BNP Paribas - Reviews, Revenue and Downloads in Luxembourg | Apple App Store"
description: "PAYCONIQ MOBILE PAYMENT: FAST, CONVENIENT, SECURE & FREE    Payconiq is a free App that enables you: - to pay in stores, your bills, in other Apps, in online shops across the Benelux, - to send, recei"
---

# Payconiq – BGL BNP Paribas — Luxembourg

![Payconiq App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/ca/07/cb/ca07cb10-3d61-6d19-4d67-3b505e4a85b5/AppIcon-bgl-0-0-1x_U007emarketing-0-6-0-85-220.png/434x0w.png)

**Developer:** [BGL BNP PARIBAS](https://apptail.io/developer/bgl-bnp-paribas-rCjb)
**Category:** Finance
**Rating:** 2.2/5 (77 ratings)
**Price:** Free
**Bundle ID:** lu.bgl.digicash
**Store:** Apple App Store
**Country:** Luxembourg
**Version:** 7.3.6 (released 2025-08-19)
**Original Release:** 2015-03-24
**Languages:** English, French, German

**App Store Link:** [Download on Apple App Store](https://apps.apple.com/lu/app/app/id965192532)
**AppTail Page:** [https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/luxembourg](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/luxembourg)

## Payconiq Description
PAYCONIQ MOBILE PAYMENT: FAST, CONVENIENT, SECURE & FREE 
 
Payconiq is a free App that enables you:
- to pay in stores, your bills, in other Apps, in online shops across the Benelux,
- to send, receive and request money to and from any phone number, with transfers via the underlying bank account(s). 
 
- Quick & convenient
- Free (except mobile operator charges)
- Transfers and payments from € 0.01 up to € 2,500 
- Highly secure & set your own payment limits
- Send and request money to/from any mobile number - with underlying bank transfer
- Works for most Luxembourg bank accounts/customers
- Available in hundreds of stores and with many (utility) bill issuers 

* A BANK PAYMENT APP
 
The BGL BNP Paribas Payconiq App is linked both to your phone number and your bank account(s). It meets banking-grade security standards; all payments are authorised with your biometrics or your PIN Code. You can set your security limits according to your preferences (default: EUR 2,500). Payments are made using (SEPA) bank transfer (funds may only be available the next working day). 
 
* QUICK ACTIVATION
 
To start using the App right away, all you have to do is to link it to your bank account. Launch the App and you’ll be guided through the process, it’s fairly easy. 
 
* SEND, RECEIVE & REQUEST MONEY
 
Payconiq is by far the fastest way to transfer money between two people. Choose the recipient’s phone number from your address book, type in the amount, authorise the payment and a SMS/push message is sent to the recipient. If the recipient has already activated Payconiq, the operation is triggered immediately, and if not, a SMS message is send out inviting the recipient to subscribe. Once he/she has activated Payconiq, funds will be transferred into the recipient’s bank account. 
 
Request money from any phone number: the most convenient way to get paid back by your friends, family or colleagues. Simply choose their phone number, type in the amount and they’ll get the request. You’ll receive a notification once they have made the requested payment. 
 
* IN STORE PAYMENT WITH PAYCONIQ QR CODES
 
Truly contactless payments with Payconiq QR codes: launch the Payconiq App, scan the Payconiq QR code and the amount to pay is automatically displayed on your phone. Validate the payment with your biometrics/PIN Code and you’re done.

* BILL PAYMENT WITH QR CODES
 
The quickest way to pay the bills: launch the App, scan the Payconiq QR Code on the bill, confirm the payment and you’re done, typically in less than 10 seconds. It works with your insurance and energy bills, with your telecom and public sector/municipality invoices provided Payconiq payments are accepted. 
 
Feel free to use it at Payconiq partner restaurants as well: no need to wait for the payment terminal, just scan the QR Code on the bill. You may even add a tip and then just leave right away. 
 
* PAYMENT IN OTHER APPS & IN ONLINE STORES
 
Top up your kid’s Restopolis account or use Payconiq on selected web sites: it is the most secure and the most convenient way to pay by clicking on the Payconiq button in the App/web site or in the web store. No card or bank data is transferred and nobody else can use your Payconiq App as all payments are authorised via fingerprint/PIN Code.

## Payconiq Screenshots
- [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource125/v4/77/f0/06/77f00678-d31f-c90d-2871-5894c75cb7c0/41d3daf1-685a-40b9-b696-f5c8acae599d_EN_Digicash-iPhone-Store-5_01.jpg/392x696bb.jpg)
- [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource115/v4/10/e9/1a/10e91ac9-2f5a-220b-7e61-59eaff47eea6/e30e06c6-c003-48cb-98e6-2576c34392ae_EN_Digicash-iPhone-Store-5_02.jpg/392x696bb.jpg)
- [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource115/v4/a3/18/5b/a3185bc2-9ead-3b48-f542-cdb57d94d9cc/187cafde-a82b-408e-857c-801a944f07d9_EN_Digicash-iPhone-Store-5_03.jpg/392x696bb.jpg)
- [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource125/v4/4c/5f/d0/4c5fd085-ad59-0158-6453-412df3bd5bb4/a8b4980a-fd0d-4602-aa32-02c795a15b02_EN_Digicash-iPhone-Store-5_04.jpg/392x696bb.jpg)

## Payconiq Rating Breakdown in Luxembourg
- 5 stars: 14 (18%)
- 4 stars: 8 (11%)
- 3 stars: 4 (5%)
- 2 stars: 4 (5%)
- 1 stars: 46 (61%)

## Payconiq Reviews in Luxembourg

### ***** "very practical"
The app is very practical and so far I haven’t encountered any issue with it
-- mich_261, 2025-03-24

### *---- "Often doesn’t work"
Often I have error message “not a paycoin user” while other banks paycoin work
Very bad experience with BGL
-- Marcoversiliavv, 2024-11-26

### *---- "Aktivierung funktioniert nicht"
Payconiq BGL App runter geladen. Anschließend soll man im Web Banking die Konfiguration fortführen. Bei der BGL Web Banking gibt es aber kein Payconiq zum Aktivieren…. Alle Apps sind aktualisiert… Sehr schlechtes System!
-- Secretariat 2.0, 2024-09-23

### *---- "Terrible"
One star rating because 0 wasn’t possible. If you download the app there’s a 50-50 chance of it working. If you’re unlucky it just does not work and you can’t even log into the app. I don’t expect anything to change either, these problems have persisted for months now.
-- C…H…A…R…E…L, 2024-01-08

### *---- "Doesn’t work"
The app was really useful but doesn’t work anymore (error message for invalid key) but after several call to the bank and Payconiq the issue has not been solved
-- MonsieurN, 2023-08-31

### *---- "Pls fix this"
I only get the message : ERROR
JWTError: RSAPrivateKey is invalid

I have no idea how to fix this, payconiq works on my other phone, I’m really disappointed, pls fix this
-- rraarrss, 2023-02-20

### *---- "bug bug bug want didicash back"
crashes crashes and re-crashes and asks me every time if i am a new user. Since digicash went payconiq, nothing works flawlessly anymore. What a disappointment for such a brilliant idea developed by digicash a few years ago. I called the callcenter several times since a year now. they are aware of the problem. thats it. bollocks
-- hellomaxlux, 2023-01-31

### *---- "Immer wieder neu aktivieren"
Alle 2 Tage muss man neu aktivieren . Mehrmals angerufen, nichts passiert. Nervt unheimlich !
-- Zombiebummbumm, 2022-05-30

### *---- "Immer noch nicht stabil"
Auf iPhone muss man die App unbedingt komplett schliessen sonst darf man immer wieder den Aktivierungsprozess durchlaufen. Für ältere Menschen eine absolute Katastrophe
-- Harleyman.lu, 2022-05-18

### ****- "Additional function would be beneficial"
It does what it supposed to do, but if it would be able to scan QR code from pictures, or pdf, it would be huge improvement. Most invoices are received by mail and mostly by pdf. If I wanna use this app now, I have to open it on notebook or send it to someone else to be able to scan the code. I know this is possible as my bank app is allowing to scan qr codes from saved pictures.
-- JohnS01, 2022-03-17

[View all Payconiq reviews and detailed analytics on AppTail](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=reviews)




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## Payconiq Available In
- [Luxembourg](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/luxembourg)
- [Belgium](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/belgium)
- [France](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/france)
- [Germany](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/germany)
- [Brazil](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/brazil)
- [United States](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/united-states)
- [Norway](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/norway)
- [United Kingdom](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/united-kingdom)
- [Italy](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/italy)
- [Türkiye](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/turkey)
- [Chile](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/chile)
- [China](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/china)
- [Colombia](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/colombia)
- [Cyprus](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/cyprus)
- [Czechia](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/czechia)
- [Denmark](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/denmark)
- [Dominican Republic](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/dominican-republic)
- [Algeria](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/algeria)
- [Ecuador](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/ecuador)
- [Estonia](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/estonia)
- [Egypt](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/egypt)
- [Spain](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/spain)
- [Finland](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/finland)
- [Ghana](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/ghana)
- [Greece](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/greece)
- [Hong Kong SAR China](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/hong-kong)
- [Hungary](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/hungary)
- [Indonesia](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/indonesia)
- [Ireland](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/ireland)
- [Israel](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/israel)
- [India](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/india)
- [Japan](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/japan)
- [South Korea](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/south-korea)
- [Kuwait](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/kuwait)
- [Kazakhstan](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/kazakhstan)
- [Lebanon](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/lebanon)
- [Lithuania](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/lithuania)
- [Latvia](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/latvia)
- [Mexico](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/mexico)
- [Malaysia](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/malaysia)
- [Nigeria](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/nigeria)
- [Netherlands](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/netherlands)
- [New Zealand](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/new-zealand)
- [Peru](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/peru)
- [Philippines](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/philippines)
- [Pakistan](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/pakistan)
- [Poland](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/poland)
- [Portugal](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/portugal)
- [Romania](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/romania)
- [Russia](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/russia)
- [Saudi Arabia](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/saudi-arabia)
- [Sweden](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/sweden)
- [Singapore](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/singapore)
- [Thailand](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/thailand)
- [Tunisia](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/tunisia)
- [Taiwan](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/taiwan)
- [Ukraine](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/ukraine)
- [Vietnam](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/vietnam)
- [United Arab Emirates](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/united-arab-emirates)
- [South Africa](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/south-africa)
- [Angola](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/angola)
- [Argentina](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/argentina)
- [Austria](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/austria)
- [Australia](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/australia)
- [Azerbaijan](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/azerbaijan)
- [Bulgaria](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/bulgaria)
- [Belarus](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/belarus)
- [Canada](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/canada)
- [Switzerland](https://apptail.io/app/payconiq-bgl-bnp-paribas-Oxmb/switzerland)

---

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