Sapthan PayAll your European banks,
in one app.
Connect your bank accounts from across Europe, see every balance and transaction in one place, and pay by SEPA — approved at your own bank, every time.
Connect as many European banks as you like. Every account, one app.
Thanks — we'll email you when Sapthan Pay opens.
Couldn't submit — email us directly at business@sapthan.com.
Be first in when we open sign-ups. No spam, ever.
Every bank you have, working as one.
The everyday money jobs of life in Europe, in one app.
Connect all your banks
Link accounts at banks across Europe, with no limit on how many. Balances and transactions sync on their own, and you authorise each bank on its own page — never ours.
Pay by SEPA
Send money, pay bills and repay loans from any linked account. Every payment is approved on your bank's own page.
Scan & pay
Scan the payment QR code on a European invoice and the payee, IBAN, amount and reference fill themselves in.
Insights & budgets
Spending sorted into categories, a monthly budget with alerts, and subscriptions and unusual payments picked out for you.
Four steps to every account in one place.
Create your account
Sign in with your email or Google, then tell us your name and home country. That's it.
Connect your banks
Pick a bank and consent opens on the bank's own site. Your password never passes through us.
See everything in one place
Balances and transactions sync on their own and are sorted into categories — every figure stamped with when it was fetched.
Pay — approved at your bank
Every payment is confirmed on your bank's own page. Up to €500 a payment and €2,000 a day.
Built to hold your bank details like they're not ours to lose.
The same standard we'd want for our own accounts.
We never see your banking password
Authentication happens on your bank's own page. By design, we don't receive your password, PIN or one-time code.
You approve every payment at your bank
Payments are confirmed with your bank's own strong authentication. Nothing moves without it.
Screenshots & screen recording blocked
Your balance stays out of the recent-apps preview too — on devices behaving normally.
One active phone at a time
Your account is active on one phone. Signing in on another signs the old one out.
App lock
Lock the app with your phone's own fingerprint, face, pattern or PIN — it re-locks itself after a short time in the background.
Encrypted, everywhere it matters
Data encrypted in transit and, on device, using your phone's own security hardware.
Every screen, built around one question: what's happening with my money right now?
We're not a bank — and we're in pre-release testing right now.
Sapthan Pay doesn't hold your money, issue accounts, or lend. Every payment is executed by a licensed provider — your own bank, a regulated account-information provider, or a bill-payment network — and that provider's record is the one that governs.
Sapthan Pay is currently in sandbox testing: no real money moves yet, and the banks you can connect are test banks. Operated by Sapthan AI and IT Solutions Private Limited, Hyderabad, India (CIN: U62099TS2026PTC219322).
Before you ask.
Is Sapthan Pay live yet? +
Not quite. We're in sandbox testing with test banks — no real money moves. Join the waitlist and we'll tell you the moment it opens.
Do you ever see my banking password? +
No. Authorisation happens on your own bank's page, opened in your phone's browser. By design, we don't receive your password, PIN or one-time code, and we never store them.
Which countries are supported? +
Banks across Europe, connected through a regulated open-banking provider. The app shows which countries and banks are available when you connect.
How many banks can I connect? +
As many as you like — every account at every bank you link shows up in one place.
Can I move money between banks in different countries? +
Yes. Any linked euro account can pay any other, wherever the bank is in Europe — a Dutch account can pay into a Belgian or German one by SEPA.
Are there payment limits? +
Yes: up to €500 per payment and €2,000 per day in total. Payments that fail or are cancelled don't count towards the day.
Is Sapthan Pay a bank? +
No. We don't hold your money, issue accounts, or lend. Every transaction is executed by a licensed provider, and their record is the regulatory one — ours simply mirrors it for your convenience.
Get in before it opens.
Join the waitlist and be first to connect your banks when Sapthan Pay launches.
Thanks — we'll email you when Sapthan Pay opens.
Couldn't submit — email us directly at business@sapthan.com.
Be first in when we open sign-ups. No spam, ever.