Standard
€0/ month
The essentials, neatly together.
- Account
- Virtual card
- Budgeting
Banking / at your pace
Money, in one clear view.
One account, one card and one app for spending, saving, sending money abroad and investing — without the noise.
- Standard has no monthly fee
- Virtual card from day one
Good afternoon, Inês
Available balance
€8,240.50
Spending this month€1,184
- Groceries€312
- Transport€96
- Eating out€148
01 / Everyday
The day-to-day, beautifully sorted.
See what came in, what went out and what is coming next. Paynex brings your balance, spending and bills together so the small decisions stay easy.
- Know where it went.Card spending is sorted by category automatically.
- Set the edges.Make a monthly budget for each category and get a notification as it gets close.
- See bills ahead.Upcoming bills live together in one simple calendar.
Activity
€8,240.50
Today
- Mercado−€42.60
- Metro−€2.10
- Electricity−€68.00
October budget
€1,184spent
- Groceries€312
- Transport€96
- Eating out€148
Bills
Next up
Electricity€68.00
- Rent1 Nov
- Studio3 Nov
- Internet12 Nov
02 / The card
Made to move. Yours to control.
Tap at the till or add the card to your phone's wallet. Make a virtual card number for one shop or subscription, delete it when you are done, and freeze everything in one tap.
- 150+ countries
- Instant freeze / unfreeze
- Virtual cards on demand
The engraved metal card is included with Metal. Other plans use the standard Paynex card.
•••• 0461Active
03 / Save
Give every plan a place to grow.
Make a pot for each goal, name it after the life you are building, and move money there when you choose. Turn on round-ups to tuck away the difference from card payments.
Pots
Summer in Porto
€1,260 of €2,000
63%
- Lisbon flat deposit
- Round-ups
- Coffee+€0.60
04 / Abroad
Before money moves, you see the whole route.
Send to accounts abroad from the app. The exchange rate and any fee are shown before you send, so you can review every detail first. Pay with your Paynex card in more than 150 countries.
Send abroad
You send€500.00
Recipient getsShown after you pick a currency
Exchange rateShown before you send
FeeShown before you send
Nothing leaves until you confirm in the app.
05 / Business
The books, without the busywork.
Paynex Business keeps invoices, payments and cash flow in one composed view — made for the people doing the work and running it.
- Create and follow invoices.
- See paid and unpaid at a glance.
- Read cash flow month by month.
Business overview
- Paid€12,480
- Unpaid€3,240
- Due this week€1,180
Invoices
View all| Invoice | Customer | Status |
|---|---|---|
| PNX-104 | Arroio Studio | Paid |
| PNX-105 | Norte Supply | Unpaid |
| PNX-106 | Clara Foods | Draft |
Cash flow
06 / Invest
A portfolio you can actually follow.
Build a portfolio from funds, bonds and cash, then follow every holding in one view. Clear categories and plain language keep the shape of your portfolio visible.
The value of investments can go down as well as up.
Portfolio
€54,310
- Funds
- Bonds
- Cash
- Global fund
- Bond fund
- Cash
07 / Safety
Control, exactly where you need it.
Sign in with your face or a passcode. Confirm every payment in the app. If a card goes missing, freeze it now and unfreeze it when it turns up.
- Separate by design.Deposits are held with partner banks and kept separate from Paynex's own money.
- Your tap decides.Every payment needs your confirmation in the app.
- A pause button.Freeze or unfreeze your card whenever you need.
- Only you get in.Use your face or a passcode to sign in.
Card controls
Card active•••• 0461
- Freeze card
- Online payments
- Cash withdrawals
- Contactless
Card frozen
08 / Plans
Start simply. Add what matters.
Three clear ways to use Paynex. Change your plan in the app when your needs change.
Plus
€6/ month
More room for plans and work.
- Everything in Standard
- Savings pots
- Free card delivery
- Business invoices
Metal
€15/ month
A card with substance, plus more access.
- Everything in Plus
- Engraved metal card
- More free cash withdrawals each month
Plan fees are charged monthly. Other fees may apply depending on how you use the account; review them in the app before confirming an action.
09 / Open an account
From download to done.
Most people finish in a few minutes. Once your account is open, your card is posted to you. Until it arrives, your virtual card is ready in the app.
01 — Download Paynex
Choose the App Store or Google Play.
02 — Tell us about you
Enter your details in the app.
03 — Confirm who you are
Take a photo of your ID in the app.
04 — Start with the virtual card
Your physical card follows by post.
10 / In their words
Small things that make the week feel lighter.
“My category budgets show me when studio lunches are getting ahead of me. It is a small nudge at the right moment.”
InêsLisbon · Freelance designer 
“I can see paid and unpaid invoices without rebuilding the picture every morning.”
TomásPorto · Café owner 
“The Summer in Porto pot turned a vague idea into something I can watch taking shape.”
ClaraMadrid · Teacher 
“I left my card on a train, froze it from the app, then unfroze it when the lost-property desk called.”
JonasBerlin · Engineer
Need a hand?
Talk to a person.
In the Paynex app, tap Help to start a chat with a person. Prefer email? Write to support@paynex.example.
- In the app
- Tap Help to chat with a person
- By email
- support@paynex.example
Please never send card numbers, passwords or ID documents in this form.
One app. One clearer view.
Make room for what comes next.
Spend, save, send abroad and invest from one considered place. Start with Standard for €0 per month.