You can link the ring directly with many Austrian banks or use our partner apps to connect almost any account worldwide.
1. Directly Compatible Banks (Austria)
If you have a VISA or Mastercard (debit or credit) from the following banks, you can add it directly in the PAGOPACE app:
Raiffeisen Bank (Mastercard debit and credit cards, VISA debit)
Erste Bank und Sparkasse (Mastercard debit and credit cards)
Oberbank (debit and credit cards)
BKS Bank (Mastercard debit and credit cards)
Hypo Oberösterreich & Hypo Vorarlberg (Mastercard debit)
VKB Bank & BTV Bank (Mastercard debit)
Volksbank & Sparda Bank (Mastercard debit)
Bankhaus Spängler (Mastercard debit)
Austrian Doctors & Pharmacists Bank (Mastercard debit)
A1 Bank (Mastercard cards)
CURVE (the solution for all other banks and PayPal)
VIMpay (the solution for current accounts)
Revolut (VISA only)
Klarna (Klarna Card / Debit Flex)
2. The Solution for All Other Banks & PayPal
Is your bank not listed above? No problem. With these two partners, you can still make your ring ready to use:
CURVE (Our Recommendation)
Connect almost any VISA or Mastercard as well as your PayPal account with CURVE. CURVE acts as a digital bridge to your PAGO.
Special feature: The new free PayPal Mastercard can also be added here.
VIMpay (the credit model)
A provider of virtual prepaid credit cards. You simply top up your VIMpay account via bank transfer from your regular current account and link the virtual card with your ring.
Important note for Austria: In the Lite version of VIMpay, currently only the use of a German IBAN is possible. To bypass this, first register with VIMpay without providing your bank account, then perform the one-time upgrade from Lite to Basic (€10 one-off). After that, you can make the first top-up from your Austrian account.
Revolut (VISA only)
A digital banking alternative. To create an account, download the Revolut app, verify your identity with an identity document, and create a virtual VISA card within the app.
Important PIN note: When connecting a virtual card (from Revolut), you can usually only make payments up to €50 without entering a PIN. Since virtual cards at Revolut do not have a physical PIN, payments above this limit are generally not possible.
Klarna
Klarna offers you maximum flexibility: You can connect your Klarna Card (Debit Flex) directly with the ring and use it as a smart debit card (with prepaid top-up, e.g., planned or with low balance) or with the "Pay later" function.
3. What is currently not supported?
Some cards cannot currently be added directly in the app. In these cases, usage is currently only possible to a limited extent or via VIMpay, Revolut & Klarna:
American Express (Amex): Unfortunately, this is currently not supported directly nor via CURVE, VIMpay, Revolut or Klarna.
Stay up to date: The list of partner banks is constantly growing. You can also find a daily updated overview of all European banks directly from our technology partner: