Atoa Pay
Finance
Send & Receive Money Instantly
- Downloads
- 1K+
- on Google Play
- Price
- Free
- No in-app purchases
- Updated
- Jan 6
- 2026 · v4.0.15
Screenshots
About Atoa Pay
Atoa Pay is the fast, safe, and free way to pay and get paid in the UK.
SEND AND RECEIVE MONEY
Send money and get paid for anything from nights out to paying the rent or birthday gifts. Add a note to each payment and share it instantly with friends and family.
THE EASIEST WAY TO PAY
Atoa Pay works with all major UK Bank Apps and you don’t need to enter in Account Numbers or Sort Codes or worry about using the same bank. Simply tap your friend's name and pay!
PAY WITH ATOA AND SUPPORT LOCAL BUSINESSES
You can also pay in-store across thousands of UK retailers that accept Atoa Instant Bank Pay. Scan the Atoa QR code, pay from your bank app, and go! This convenient payment experience saves you time and helps local businesses save on expensive card processing fees.
PAY SECURELY WITH ATOA
Atoa works by triggering an instant bank transfer between your UK Bank App and your recipient's UK Bank App. The payment is instant and securely processed by your Bank just like any other bank transfer. The recipient receives funds instantly with zero hassle.
Download the free Atoa Pay app today and make paying friends, family, and in-store easy!
You can also learn more by visiting www.paywithatoa.co.uk.
Atoa Payments Limited operates under a UK Financial Conduct Authority license (#827001). Please visit www.paywithatoa.co.uk/terms for our terms and privacy policy.
SEND AND RECEIVE MONEY
Send money and get paid for anything from nights out to paying the rent or birthday gifts. Add a note to each payment and share it instantly with friends and family.
THE EASIEST WAY TO PAY
Atoa Pay works with all major UK Bank Apps and you don’t need to enter in Account Numbers or Sort Codes or worry about using the same bank. Simply tap your friend's name and pay!
PAY WITH ATOA AND SUPPORT LOCAL BUSINESSES
You can also pay in-store across thousands of UK retailers that accept Atoa Instant Bank Pay. Scan the Atoa QR code, pay from your bank app, and go! This convenient payment experience saves you time and helps local businesses save on expensive card processing fees.
PAY SECURELY WITH ATOA
Atoa works by triggering an instant bank transfer between your UK Bank App and your recipient's UK Bank App. The payment is instant and securely processed by your Bank just like any other bank transfer. The recipient receives funds instantly with zero hassle.
Download the free Atoa Pay app today and make paying friends, family, and in-store easy!
You can also learn more by visiting www.paywithatoa.co.uk.
Atoa Payments Limited operates under a UK Financial Conduct Authority license (#827001). Please visit www.paywithatoa.co.uk/terms for our terms and privacy policy.
What’s new
Version 4.0.15 · Updated January 6, 2026
More ways to pay have arrived. You can now use card payments on supported links, perfect for those moments when you just want a little extra flexibility. We also tidied up a few bugs to keep things feeling smooth. That’s all for now.
User reviews
Great app and does what it says . Not sure which shops in my area take Atoa, I did look for a list (like PayPoint website has)to search but couldn't find one. Will just have to ask when out and about. Other than that it's a 10/10 from me.
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| Atoa Pay | – | Free | 1,000+ | Jan 6, 2026 | |
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