SumUp: Personal Finance

5.05K reviews
Content rating
PEGI 3
1M+
Downloads
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About this app

SumUp rewards your everyday spending. Spend and send with a tap. Save for big moments and budget for daily life. Earn cashback on your purchases.

MANAGE YOUR MONEY
- Pay, get paid and split bills in seconds
- Send and request money from your contacts with one tap
- Set a monthly budget and track your spending by the day, week, month or year
- Link multiple accounts to SumUp to see all your money in one place
- Set up Direct Debits to automate regular payments

SPEND HERE, THERE OR ANYWHERE
- Spend instantly with a virtual card
- Get a physical card for worldwide spending
- Pay anywhere in the world with your SumUp Mastercard – we don't charge any FX fees

BUDGET AND SAVE
- Set money aside in Spaces to budget and save for bills, birthday presents or city breaks
- Open a Shared Space to manage money and spend with friends
- Round up your purchases and we’ll save the spare change automatically
- Get up to two virtual cards for your Spaces – one per Space – and use each one for different purposes

GET REWARDED
- Get cashback every time you spend with your SumUp Mastercard, up to £10/€10 cashback per calendar month
- Save your cashback, or spend it wherever you want
- Collect points or stamps at participating SumUp loyalty businesses

SumUp Payments Limited is authorised by the Financial Conduct Authority in the UK under the Electronic Money Regulations 2011 (register number 900700).
SumUp EU Payments UAB is authorised by the Bank of Lithuania as an electronic money institution (licence no. 56, issued on 27 August 2019).
The rewarding money account
Updated on
Oct 30, 2026

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
  • No data shared with third parties
    Learn more about how developers declare sharing
  • This app may collect these data types
    Location, Personal info and 4 others
  • Data is encrypted in transit
  • You can request that data be deleted

Ratings and reviews

5.01K reviews
A Google user
April 22, 2024
It's a terrible app, extremely intrusive and almost impossible to navigate through the sign up process. Each time you think you've done enough they want more information. Got offered £5 off for signing up. Got awarded 1000 points, but can't access until I complete even more verification including photo id. Why do you need this to give me money back - you didn't need it to take my money. Removing the app, writing off the £5 as a cheap lesson in gullibility. Cue stock answer...
68 people found this review helpful
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Paul Bentham
June 14, 2024
**WARNING** This is a wallet app, which means paying for things with a credit card will likely result in a cash advance charge. So if you're like me and regularly use SumUp links to pay for services using a credit card and downloaded this app to get the £5 bonus be aware that you're transferring money into a wallet and then paying rather than simply paying as usual. As you'd imagine from my 1-star review they don't explain this and support refuses to acknowledge it as an issue.
35 people found this review helpful
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Don Grant
June 28, 2024
Disgraceful, just didn't work. Couldn't pay for a ticket several times, couldn't remove the never-ending being transaction, couldn't spend the 1000 bonus points, but it managed to charge my card twice - which I got refunded quickly but only after uploading a bank statement. I then couldn't link Google Pay to use it as a virtual mastercard. Logged out and uninstalled - will just pay as guest using the web if anyone sends me a link in future.
13 people found this review helpful
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What’s new

It’s now even easier to stay on top of your money. Link multiple accounts to SumUp and see all your balances and transactions in one place – no more switching between apps.

Stay in control of your spending with clearer insights. View all your accounts – or just the ones you want – and track what’s coming in and going out by week, month, or year.