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Mobile Payment Apps in UK

10 Best Mobile Payment Apps in UK [2025]

Living in the UK, I’ve seen how mobile payment apps in the UK have revolutionized the way we handle money. As we approach 2025, these apps have become integral to our daily lives, making transactions faster and more convenient whether I’m shopping in-store or online.

In this article, I’ll share my top ten mobile payment apps that are making waves across the country. Each app offers unique features and benefits, catering to a variety of financial needs. Whether you’re a local or a visitor, these apps will enhance your payment experience. Let’s explore the best options available!

1. Wise

Looking for a payment app that’s fast, affordable, and perfect for the UK? Wise is your go-to solution. With Wise, I can send money to over 70 countries, including the UK, at the real mid-market exchange rate—no hidden fees or unfair markups. You’ll love its multi-currency account, which lets you hold, convert, and manage 40+ currencies effortlessly. The Wise debit card also makes spending abroad simple and cost-effective. Whether you’re supporting family, paying bills, or handling international transactions, Wise ensures your money moves securely and efficiently. Join millions of users and experience why Wise is the leader in global payments.

2. Apple Pay

 Apple Pay is one of the best mobile payment apps in UK

Apple Pay is one of the best mobile payment apps in the world, and highly popular in the UK due to the huge user base Apple has in the country. It is the most convenient mobile payment app in the UK for Apple users, as it can be used to make payments on any Apple devices. Just link your credit card to Apple Pay, and use it to accept contactless payments online or in-store in a matter of seconds.

3. Google Pay

Google Pay

Google Pay is the best mobile payment app in the UK for Android users. The UK is one of the few countries in the world where Google Pay offers its full services. You can use this app to make payments instantly and swiftly in-stores, or make purchases online or in-app and pay them off via your phone. It is one of the accepted contactless payment apps in most major stores in the UK due to its security and convenience.

4. Samsung Pay

Samsung Pay is a mobile payment and digital wallet app from Samsung for all its users that can be used with any compatible Samsung device. It is a highly convenient mobile payment app for Samsung users who also use Samsung smartwatches. They can just use their watch to pay off anyone on the go. Moreover, they can also pay at merchant locations by scanning QR codes, or pay online at any supported e-commerce website.

5. PayPal

PayPal

PayPal is the leading mobile payment app in the world, allowing users to pay, send, receive with ease. PayPal is a very popular contactless payment option all across Europe and North America, and can be used to make payments in-stores or online. Moreover, PayPal also provides one of the best money transfer services in the world, enabling you to transfer money internationally within minutes.

6. Revolut

Revolut is one app for all your financial needs. It is an all-in-one mobile payment app that facilitates payments with ease. It is widely used in the UK for businesses looking to accept local and international payments at amazing rates. Moreover, it supports multiple currencies, making it a very convenient payment app for tourists visiting the UK. Revolut has a significant number of app monthly active users in the UK.

7. Cash App

Cash App is a very easy-to-use mobile payment app that is only accessible in the US and the UK. It works in a simple manner, allowing you to make contactless payments in-stores or transfer money from one account to another. Additionally, Cash App is used in many major online retail stores and e-commerce websites to make payments for purchases, making buying easier than ever before. Cash App also supports bank account credit card linking for quick access to funds.

8. Payoneer

Payoneer is a mobile payment and money transfer app that is available in around 200 countries in the world. It is the perfect app to help your business expand on a global scale by reaching to newer customers across the world. Payoneer can be used to make digital payments, or to transfer money locally or internationally. Furthermore, Payoneer can also be used to transfer money to supported digital wallets and bank accounts.

9. Stripe Payments App

Stripe Payments App is a mobile payment app that is packed with features and services. It is one of the most complete mobile payment apps in the UK due to its many incredible services. Firstly, Stripe Payments App has multi-currency support, enabling you to take payments in 135 currencies. Additionally, it supports all major debit/credit cards in the country and helps you maintain your finances in a stable way.

10. Square Point of Sale: Payment

Square Point of Sale: Payment is a free mobile payment app that specializes in accepting digital payments on the go. It is a very innovative payment acceptance app that allows you to accept payments in multiple ways, providing consumers with the convenience of paying in multiple ways. Use this app with Square Reader to accept cashless payments, or you can generate payment links or QR codes, then accept payment using them.

International digital wallet apps like Apple Pay and Google Pay dominate the consumer side of digital payments in the UK in terms of users. However, most businesses in the UK opt for apps like PayPal and Wise due to their amazing overseas money transfer services and affordable rates.

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