FAQ
DIGICASH is a mobile banking payment solution that allows you to pay in the store, on the internet or in apps on your mobile. You can use the app to pay your bills and transfer money to friends and family. Payments are made directly from your bank account, immediately and safely.
The DIGICASH solution is issued by five of Luxembourg’s largest retail banks. Each of them offers its customers its own DIGICASH application that you can download from the App Store or Google Play. After activation, it is linked directly to the bank account of your choice. When you pay or transfer money through DIGICASH, a free wire transfer* is triggered. Your bank account is debited, and the payment recipient credited for the amount you validated.
*Wire transfers initiated via DIGICASH are free for the payer.
DIGICASH is a mobile banking payment solution that allows you to pay in the store, on the internet or in apps on your mobile. You can use the app to pay your bills and transfer money to friends and family. Payments are made directly from your bank account, immediately and safely.
Please contact your bank or consult its website for the DIGICASH Terms of Use issued by the bank in question.
BCEE, POST Luxembourg, BIL, BGL BNP Paribas and ING Luxembourg offer the DIGICASH application to their customers. Nevertheless, the DIGICASH mobile payment system is intended to open gradually to other banks (“open bank solution”). Each participating bank develops and makes available to its customers its own DIGICASH application.
The DIGICASH payment solution allows your smartphone to retrieve the information needed to initiate a payment from your bank account to the merchant. These data can be either encoded in a QR Code (Quick Response Code *) or issued by DIGICASH Beacon terminals through Bluetooth Low Energy or NFC (Near Field Communication) technologies.
After having retrieved the information necessary for the payment, confirm it with your DIGICASH-specific PIN (Personal Identification Number) or by means of your fingerprint, to authorize the payment from your bank account. The operation is confirmed on your phone’s screen and the merchant receives the confirmation. To view a demonstration video, click here.
*QR Code is a registered trademark of Denso Wave Incorporated.
To pay, simply scan the DIGICASH QR Code, which can either be printed (invoice, receipt, sticker on the cash register) or displayed on a screen (phone, tablet, specific point-of-sale screen or your computer screen for e-commerce purchases) through the phone’s camera and your DIGICASH App. The payment details will be displayed on the screen, at which point you can confirm the transaction with your PIN or fingerprint. The payment is made.
To pay, simply move your smartphone close to the DIGICASH Beacon after launching your DIGICASH App and previously enabling the Bluetooth or NFC option on your phone. After having retrieved the necessary information for payment, confirm it with your DIGICASH PIN or with your fingerprint. The payment is then made. For more information about this service, you can refer to the section dedicated to this service in the FAQ.
Following any successful DIGICASH payment transaction, a message confirming payment will appear on your smartphone screen and confirmation will be provided to the merchant. In case of problems, such as a network loss, an error message is displayed on your smartphone and the transaction is not carried out. In addition, you can consult, at any time, the history of your DIGICASH payments in your DIGICASH app or via your web or mobile banking.
All payment transactions by DIGICASH appear on your bank statement. However, it is up to the partner bank to define the mode of communication in relation to the DIGICASH payments made. Some banks have chosen to provide debit advice only for certain transactions and others for all transactions made by DIGICASH. In all cases, all the partner banks show payments in the history of transactions made on the account, available on your web or mobile banking. Please contact your bank for further details.
Some banks show the account balance in the DIGICASH app at the time of payment. In this case, you can view the selected account balance just before a payment is confirmed or at any time in the “bank account” tab of the DIGICASH app. This feature allows you to better manage your financial situation and ensure that you have the funds required for the payment to be made. You can check the balance of your bank account during a transaction, just before the payment is confirmed. You can also check the balance of your account in the “Bank Account” tab of the DIGICASH App.
You can pay in shops that accept DIGICASH as a payment method. The DIGICASH logo is usually displayed near the cash register and / or the entrance. You can also pay invoices which display a DIGICASH QR Code and shop online at participating e-stores. The list of DIGICASH partners is continually expanding. You can consult the complete list by clicking here. (http://www.DIGICASH.lu/fr/partenaires)
A DIGICASH Beacon is an innovative contactless payment solution. Based on Bluetooth and NFC technologies, it allows your phone to get the information required for payment simply by tapping your phone on the DIGICASH Beacon terminal. What are the specific prerequisites for making DIGICASH Beacon payments?
To pay by DIGICASH Beacon, your Smartphone must be Bluetooth or NFC compatible. In this case, you must first activate the Bluetooth or NFC option on your phone to receive the information transmitted by DIGICASH Beacon terminals.
Make sure that you have enabled the Bluetooth or NFC function on your phone and have given permission to the application to access it. Also make sure you have brought your phone close enough to the DIGICASH Beacon terminal, especially for the NFC function. If you want to pay via Bluetooth, make sure your phone is compatible with Bluetooth technology. In case of a problem of this type, you can always choose the “Scan” function on your smartphone to make the payment by scanning the QR Code displayed on the DIGICASH Beacon terminal.
DIGICASH users can link certain loyalty cards to their DIGICASH app (only available for Total, Cora, other – stores are coming soon). In this case, when they make a payment by DIGICASH in a store, the DIGICASH application communicates in real time with the partner’s computer system and transmits the amount to be credited to his loyalty account. The amount of the kitty is then automatically updated.
Simply go to the “Account” section at the top right and then “Loyalty Cards”. Click on “Add a card” and scan the printed barcode on your plastic loyalty card or enter the card number manually.
Yes, customers must continue to present their plastic card when they pay using means other than DIGICASH to be able to feed their kitty.
Your loyalty card number is included in the details of the information appearing both at the time of validation of payment and at the time of confirmation thereof. Also, the number of your loyalty card and the credit of points or euros collected is also reported on the receipt.
Yes, it is perfectly possible to add a tip before triggering the payment, if the merchant has chosen for this function to be enabled.
To pay by DIGICASH Beacon, your Smartphone must be Bluetooth or NFC compatible. In this case, you must first activate the Bluetooth or NFC option on your phone to receive the information transmitted by DIGICASH Beacon terminals.
The DIGICASH TRANSFER feature allows you to send or request money to any phone number wherever you are and at no cost. You can use it for example to easily share the bill at the restaurant, refund the € 10 you owe your friend for yesterday’s cinema, pay the babysitter, give pocket money, make a birthday present … As for DIGICASH payments in shops and for bill payments, the transfer of money is from one account to another: you and your loved ones do not need to reload a prepaid account or use another bank account than your current account, and you will be able to do without banknotes and coins. To transfer money, you can use the mobile number of your relatives, whether they have already activated DIGICASH or not.
First, you must select the “Transfer” and then “Send” function in your DIGICASH app. Then fill in the phone number (by direct entry or by choosing the contact in your address book on your phone) of the person to whom you want to send money, as well as the amount. Finally, enter your PIN or use your fingerprint to validate the transfer, as for DIGICASH payments in store.
If the recipient has already activated DIGICASH, he/she will receive a notification on his/her phone (if he/she has authorized the receipt of notifications), and the amount will be credited to his/her account within the standard wire transfer delay, usually the next business day.
If the person holding the number you have chosen does not have DIGICASH yet, you can authorize the sending of an SMS asking him/her to download the app, and your transfer will be put on hold for a maximum of 15 days. Once the person has activated DIGICASH, the transfer will be made from your account (subject to availability of funds at that time).
First, you must select the “Transfer” then “Ask” function in your DIGICASH application. Then fill in the phone number (by direct entry or by choosing the contact in the address book of your smartphone) of the person to whom you wish to ask for money, as well as the amount. The request is then sent directly to your contact.
If the recipient has already activated DIGICASH, he/she will receive a notification on his/her phone (if he/she has authorized the reception of notifications) and will have to validate the sending of money using his/her PIN code or by means of his fingerprint. The sum will then be credited to your account within the standard transfer / Eurotransfer delay, usually the next business day.
If the person holding the number you have chosen does not have DIGICASH yet, you can authorize the sending of an SMS asking them to register, and your request will be put on hold for a maximum of 15 days. Once the person has activated DIGICASH, he/she will receive a notification on his/her phone (if he/she has authorized the reception of notifications) and will have to validate the sending of money by means of his/her PIN or by means of his/her finger print.
To send or request money, you can use the recipient’s phone number, whether they have DIGICASH installed or not. However, the recipient must be a customer with one of the Luxembourg banks that offers DIGICASH. His/her phone number has to be verified and he/she needs to authorize the receipt of transfers to his/her number phone in the DIGICASH App.
If the recipient of your shipment or your request for money has not yet activated DIGICASH or authorized the DIGICASH TRANSFER function, you can authorize the sending of an SMS asking him/her to register, and your sending or your request will be put on hold for up to 15 days.
When you send or request money, you can view the transfer history in your DIGICASH App (similar to DIGICASH payments made in shops or for invoices). If you receive money, you will automatically be notified (if you have authorized the receipt of notifications for the DIGICASH App on your smartphone). In addition, requests for money will be recorded in the transaction history. Further, you will be able to consult DIGICASH transactions via the supports and channels put at your disposal for these purposes by your bank (statements, home banking, web banking, mobile banking, etc…)
The use for professional purposes is limited to 20 payments per month or a total value of 1000 EUR received per calendar month. Beyond these limits, it will be necessary to opt for affiliation to the network of DIGICASH merchants, by subscribing to this service from Payconiq International SA. For more information, please visit the website www.digicash.lu under the heading “Traders” (https://www.digicash.lu/node/22).
The limit is identical to the limit defined for the use of DIGICASH in shops and for bill payments.
Any Luxembourg or international mobile number, which can be verified by sending an SMS message, can be used to activate DIGICASH. Activation is therefore not limited to Luxembourg numbers alone. Before using DIGICASH TRANSFER, please ensure that the recipient of your payment has a bank account held by one of the Luxembourg banks offering DIGICASH. The list is available on www.digicash.lu. But you will not run any risk if the recipient does not activate DIGICASH: after 15 days, your pending transfer will expire, and the money will never be debited from your account.
You can cancel a pending transfer or request at any time using your DIGICASH App. Under the “Account” function, at the top right of the menu, you can view all completed transactions, transfers received and sent, and pending payments or requests for money.
If despite the display of the name of the recipient on the basis of the telephone number you have chosen, you have nevertheless confirmed the sending of the money by entering the PIN or by means of your finger print, please contact from your bank.
For a DIGICASH App, you will only be able to associate a phone number with a bank account. But you can associate another mobile phone number with another account in another DIGICASH App, typically on another smartphone.
You can associate the same phone number with different Apps from different banks. However, for the use of DIGICASH TRANSFER, it is only possible to associate a specific number to an account with a bank.
At this time, the initial link with your account for receiving payments will be automatically deleted. You will receive the payments on the account newly associated with the mobile number in question. For this purpose, the bank from which you have newly authorized the receipt of payments will inform the other banks that offer DIGICASH to their customers, who, if necessary, will then automatically delete the link to the initial account, for the function of receiving payments. Thus, your phone number will remain associated with the initial App, which will remain functional for DIGICASH payments in shops and for bill payments. You may at any time reassign this App to your number by means of the function provided for this purpose in your DIGICASH App, and the possible link with another App / account will be deleted automatically.
No, for the reception of a payment by DIGICASH TRANSFER, it is necessary that the recipient activates the DIGICASH App and associates the number of a mobile phone designated as the recipient by the person who initiated the transfer.
You can block DIGICASH 24 hours a day, 7 days a week, preferably via the web or mobile banking of your bank (according to each partner bank) or by clicking here. (https://webui.digica.sh/views/public/blockaccount.xhtml) If you enter a PIN incorrectly three times consecutively, the DIGICASH App will automatically be blocked on your phone.
The reactivation can be done by following again the normal activation procedure via the web or mobile banking of your bank (according to each partner bank).
It will be necessary to deactivate and reactivate your DIGICASH app. In this case, go to the “Account” section at the top right, then “Settings” and click on “Disable DIGICASH” and confirm. Your App is then disabled. For reactivation, it must be done by following the normal activation procedure via the web or mobile banking of your bank (according to each partner bank). Note that this procedure does not allow you to keep your history (transactions / payment requests / messages) since you will be considered as a new user.
Your DIGICASH PIN can be changed from your DIGICASH App. In this case, go to the “Account” section at the top right, then “Settings” and click on “Change PIN”.
The infrastructure, the DIGICASH mobile payment network, and the DIGICASH application of each partner bank, meet very high security and encryption standards for mobile payments. You validate each payment with your DIGICASH PIN or with your fingerprint. The DIGICASH QR Codes as well as the data issued by the DIGICASH Beacon terminals also contain no confidential data. More specifically, the encoded information refers to either the amount to be paid, the identity of the beneficiary and the reference of the payment / invoice, or only to the identity of the beneficiary; in short, information necessary for any payment and which is not confidential. Of course, for these security measures to be effective, you should never store your PIN on your smartphone, annotate in any form whatsoever, or use any tool for automatic storage of words of pass to store the PIN. In addition, it is strongly recommended to use a PIN specific to the DIGICASH application of your bank and therefore not to use the same code for other applications or for the security of the smartphone on which is installed the DIGICASH App. During the DIGICASH activation procedure in your bank’s web banking, you must not disclose the QR Code of initialization displayed in your web banking to a third party.
Do not store your PIN on your smartphone, do not annotate it in any form, and do not use any automatic password / PIN storage tool to store the code. Use a specific PIN for the DIGICASH application of your bank and do not use the same code for other applications or for securing the smartphone on which DIGICASH is installed. During the DIGICASH activation procedure in your bank’s web banking, do not disclose the initialization QR code displayed in the bank’s web banking to a third party. Finally, in case of theft or loss of your smartphone, your identification and / or your PIN, immediately block your DIGICASH App via your web access or mobile banking (according to each partner bank).
The PIN specific to the DIGICASH application of your bank consists of 4 to 6 digits. If you wish, you can change your PIN from the DIGICASH application. It is strongly recommended to use a code specific to the DIGICASH application and therefore not to use the same code for other applications or for the security of the phone.
What to do in case of loss, theft, or disclosure, even involuntary, identification and / or PIN, even in case of loss or theft of your smartphone?
You must immediately block your DIGICASH Access / App via the corresponding function in the web or mobile banking of your bank (according to each partner bank).
There is a security limit per transaction or transfer of money and / or per day and / or per week, depending on the security policy applied by the partner bank that offers the DIGICASH App to its customers. For ING this limit is set at EUR 1,250 by default and for other banks this limit is fixed at EUR 2,500 by default (subject to the balance available on the bank account, including any lines of credit). This limit is editable online for some. For others, you can define it at the time of activation and modify it later. Contact your bank or visit its website for more details.
DIGICASH is a mobile banking payment solution that allows you to pay in the store, on the internet or in apps on your mobile. You can use the app to pay your bills and transfer money to friends and family. Payments are made directly from your bank account, immediately and safely.
The DIGICASH app from your bank is available for free in the App Store and in Google Play Store.
For the user who pays, transfers or receives money through DIGICASH, it is free *.
*excluding any communication costs related to the use of the smartphone, depending on the pricing applied by the telephone operator.
The DIGICASH app from your bank is available for free in the Apple App Store and in Google Play Store. In order to be able to use the DIGICASH applications of BCEE, POST, BIL and BGL BNP Paribas, you have to activate DIGICASH on the web or mobile banking of your bank (according to each partner bank). Log in to your personal space and let yourself be guided through the activation procedure.
To activate the ING application, all you have to do is authenticate yourself directly in the application using your token and validate your phone number.
To activate the DIGICASH application of the banks BCEE, POST, BIL and BGL BNP Paribas installed on your smartphone, connect to the web or mobile banking of your bank and follow the activation instructions.To activate the ING application, authenticate directly in the application using your token and validate your phone number.
You can deactivate DIGICASH via the web or mobile banking of your bank (according to each partner bank). Please note that you can disable smartphones and associated accounts individually in case you have activated multiple phones and associated one or more accounts.
Only a bank account of one of our partner banks eligible for an association with the DIGICASH App can be linked to the application. All banks do not allow to associate all types of accounts, some limit for example the possibility of associating DIGICASH only current accounts of which you are the sole holder.
Yes, it is possible to link several accounts of the same bank to DIGICASH. Depending on the interface proposed by your bank, the addition or the deletion of an account is realized at the time of the activation or later. To associate a new account thereafter, you will have to reiterate the entire activation process.
Yes, you can link several smartphones, on which you have installed the DIGICASH app from your bank, to one (or more) bank account (s) of this bank.
This possibility depends on your bank. Most allow the association to accounts other than personal bank accounts provided however to have access to web or mobile banking (according to each partner bank) for the account concerned.
All the permissions required by the DIGICASH application on Android smartphones are listed below:· Full internet access, network status: this permission is required for the application to access the internet
- Take pictures and videos, control flash: this permission allows the app to access your phone’s camera to scan QR Codes
- Know state and ID: Required for security reasons, this permission allows the application to recover the unique Android ID of your device
- Modify Storage Content: This permission allows caching of partner / merchant logos
- GPS: this permission allows you to provide the geographical data of the partners / merchants calculated according to your location. It is also essential to run your Bluetooth feature in Android 6.0
- Discover known accounts: This permission is required to receive push notifications (Google Cloud Messaging)
- Prevent the phone from going into sleep mode: this permission is required to receive push notifications (Google Cloud Messaging)
- Enable Bluetooth: This permission allows the app to activate and use the Bluetooth feature of your phone and make payments through DIGICASH Beacon
- Control Near Field Communication (NFC): This permission allows the app to activate and use the NFC feature of your phone and make payments through DIGICASH Beacon
- Read the address book: this permission allows the application to the address book of your phone
If you change your phone, just follow the same activation procedure for this phone that you followed for your previous phone. You can link multiple phones to your account (s), but you must activate your bank’s DIGICASH app on each phone individually.
If you change your phone or SIM card number, this will not affect the proper functioning of your bank’s DIGICASH application.
The DIGICASH application from your bank is compatible with the majority of recent smartphones equipped with a camera and connected to the internet. Currently, DIGICASH is compatible with *:iPhone, model 4GS or higher, with iOS 7 or higher operating system,Android devices with operating system 2.3 or later.*Compatibility with phones and operating systems is purely indicative and non-contractual, and may change over time. Please visit the App Store and Google Play download sites for details and exact compatibility of downloadable Apps.
Yes, the DIGICASH application works wherever your smartphone accesses the internet, whether via a WiFi network or terminal, provided that encrypted SSL connections are allowed (port 443 must be open). Some WiFi hotspots (companies, hotels …) do not allow to connect in SSL mode.
Yes, DIGICASH works with any mobile operator provided they have access to the internet. However, be aware of possible roaming charges billed by your foreign mobile operator, if applicable, knowing that given the maxima imposed by the European Commission for roaming costs, the cost in terms of associated data connection fees to a DIGICASH payment made with your phone, with a subscription signed with a mobile operator licensed in one of the EU member countries, will be only a few cents maximum.
Yes, DIGICASH works with any SIM card (prepaid or subscription) provided you have access to the internet.
Talk to your DIGICASH-issuing bank that will assist you with troubleshooting. Assistance to payers using the DIGICASH App of their bank is offered directly by the institution in question.