phyre - Better than a wallet

Download phyre and START FOR FREE!
Pay securely with phyre and Apple Pay and track all your transactions.
Open a free BGN or EUR current account in minutes using just your mobile and send easily bank transfers worldwide.
Connect all your payment and loyalty cards, send instant money transfers with no fees within the phyre network.


With phyre you can:
Pay contactless at any POS terminal with phyre and Apple Pay using your iPhone or Apple Watch.
Apple Pay can be used anywhere that accepts contactless payments - including shops, transport, hotels, restaurants and other vendors all over the world.


Link all your loyalty cards and use them on your phone.
Store any client card on phyre, it doesn't matter if it is a well known international brand or your local pharmacy. If you can't find a template of your card, don't worry! Just take a photo of it and you will have it in the app. Scan it, digitize it and leave the plastic cards at home.


Get a free BGN or EUR current account in minutes using just your mobile.
Send and receive instant bank transfers no matter the bank you use.
All bank transfers between phyre users are absolutely free and instant.

Budget and expense management function
"Expenses" shows your spendings on a monthly, weekly and daily basis. This makes your monthly budget easy to manage.
You can also view the total amount you have spent on a given day, week or month, separated into different categories.
With our budget manager function it’s now even easier to track your personal financial transactions, review your daily, weekly and monthly expenses and manage your monthly budget better.
Get the free virtual phyre Mastercard and shop online with no risk.
Control the card from your phone - freeze and unfreeze it whenever you want to.
Protect yourself from forgotten automated payments and subscriptions.
Order your phyre Mastercard and leave the rest of your cards at home. You can top it up instantly with any of your payment cards, withdraw cash or use it to pay at any POS terminal in the world. Control it from your phone, follow your transactions in real time and get instant payment notifications for free. Spend less time worrying about your payment cards and more time enjoying the things important to you.
Share phyre with friends and earn together
As a phyre user now you have the chance to earn rewards by sharing your personal phyre link with friends. Anyone who installs phyre using your link gets a welcome bonus. When your friend installs phyre, tops up his profile and makes a transaction, you will also get a bonus in your account.

Stay in control of your spending
Track your expenses in real time and get free instant notifications for your payments.
Bank-grade security
We take security seriously! Payments in phyre are processed by Paynetics, an EU licensed e-money institution that is a principal member of VISA and Mastercard. We have a bank-grade security system and our application has been certificated by Mastercard.