Log in on Paywiser web application with your e-mail address and password. Then select the authorization method. A code will be sent to confirm your log-in. Once the code is received, enter it and access your user account. In the web application you can manage your Payment Accounts.

If you happen to forget your password, the "Forgot Password" option will appear above the field to enter the password on the right-hand side of the entry page in the web app. Clicking on this option will first direct you to enter your e-mail address that you used at the registration to Paywiser account and where you will then receive a new link to choose a new password.

You can change your password in the web app under the ‘Settings’ tab, where you should enter your old password and then enter your new password.

In the web app under ‘Settings’ tab, you can select one of the 2-FA options as your default.

In the web app under the ‘Home’ tab, accounts are listed. Click on 'Details' to open more detailed information about the certain account.

If you want to add money to your Paywiser Account, you should transfer funds from any other IBAN via regular bank transfer.

In the web app under the ‘Home’ tab accounts are listed. The balance of each account is displayed there.

In the web app on the top right of the page you can select the ‘Statement’ icon and the ‘Account Statement’ for the selected month. The statements are organized by accounts and by month. The selected statement is displayed in PDF format, can be saved to a PC and printed if required.

In the web app under the ‘Home’ tab, click ‘List of transactions’. The list of recent transactions will be displayed. You can view all transactions or filter them according to the currency, time or direction.

In the web app under the ‘Home’ tab, click ‘List of transactions’. Then click ‘More’ icon (3 dots icon in the menu on the right). Select the transactions you would like to export (by using CTRL and a click on the selected transaction) and click on one of the Export button options.

You can make a transaction in the web app in the ‘Transaction’ tab. In the ‘1. Debit From’ tab, select the account you want to send the funds from, and then follow further steps in the web app.

In the web app under the ‘Payee’ tab, you can enter your contacts by clicking on ‘Add Payee’. In the ‘1. Profile’ tab, enter the name of the recipient under the ‘Profile Name’, and then follow further steps in the web app.

Each bank has a unique SWIFT code. It usually consists of 11 characters divided into four groups: first four letters to identify the bank; second two letters to identify the country; third two letters to indicate the bank's location; and fourth (which is optional) three digits to specify the receiving branch.

A sort code is a 6-digit number that identifies your bank. It's usually split up into pairs; the first two digits identify which bank it is, and the last four digits refer to the specific branch of the bank, where you opened the account.

Payments sent within the Paywiser ecosystem (i.e., between Banking Circle accounts) are completed instantly. Payments sent to bank accounts outside of Paywiser will arrive on the same day or the next day, depending on when the payment instruction is sent. Same day payment cut off times can be found here open_in_new.

If initiated before cut-off, funds will be debited from your account with same-day value. Same-day execution may not be met for payments held up for any compliance, lack of funds or other internal policy reasons.

Incoming and internal payment processing stops at 19:00 CET/CEST.

For payments that involve a currency conversion, funds will be forwarded to our correspondent bank after the FX trade has settled. This is an automated solution and works on a best effort basis with support during European opening hours. Usual FX trading limits and thresholds apply. To view each currency’s holiday calendar please click here open_in_new.

Foreign exchange, or forex, is the conversion of one country's currency into another.
In the web app in the ‘Foreign exchange’ tab select Currency you want to exchange from. Enter the amount. Select the currency you would like to exchange to. Click ‘Next’ to get a quote. You will get the quote with the exchange rate. Click ‘Confirm’ if you want to execute the exchange. You will need to authenticate the transaction by using your default authentication method. The quote is valid for 30 seconds and transaction has to be confirmed within that time.

Paywiser provides payment services in collaboration with Banking Circle, as a banking services provider and a fully licensed next generation banking institution headquartered in Luxembourg.

If you have any problems, you can contact us by sending an e-mail at [email protected].