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DIGITAL SERVICES

Your card, always with you – on a watch, bracelet, or ring

Garmin Pay, Fidesmo Pay, SwatchPay! i and FitBit

Find out more

Through integration with leading digital wallets such as Garmin Pay, Fidesmo Pay, SwatchPay!, and FitBit, we enable you to make contactless payments at all points of sale that support this technology.

Advantages of using digital wallets:

Contactless payment via NFC technology

Security:  Data tokenization, without storing the actual card number 

Privacy: Transactions are verified via PIN, biometrics or security code  

Practicality: Payment without the need for a physical card or mobile phone  

Design and comfort: Available in a variety of styles – from sporty watches to elegant rings  

Durability: Most devices are waterproof and designed for an active lifestyle  

How to register for the service:

Garmin Pay

  1. Download the Garmin Connect app 
  2. In the app, select Garmin Pay > Get Started 
  3. Create a four-digit PIN code
  4. Add a card – by entering data or scanning
  5. Verify the card via the bank (SMS or call) 
  6. Activate Wallet on your watch and pay contactlessly 

Fitbit Pay

  1. Open the Fitbit app on your phone
  2. Go to profile, select your device 
  3. In the Wallet section , add a card (up to 6 cards)
  4. Verify your card via SMS or app 
  5. Set a PIN code for extra security  
  6. You are ready to pay! 

Fidesmo Pay

  1. Check if your device is compatible (ring, bracelet, watch) 
  2. Download the Fidesmo app  
  3. Connect your device via NFC  
  4. Add a card and verify it
  5. The device is ready to pay - no battery, always active 

SwatchPAY!

  1. Download SwatchPAY! app
  2. Create an account and choose a watch model 
  3. Activate the watch via NFC (hold it to the phone)
  4. Add card - scan or enter manually
  5. Verify the card through the bank  
  6. The watch is ready for contactless payment 

Frequently Asked Questions (FAQs)

To use digital wallets for contactless payments via smart devices, you need to have a device that supports NFC technology, such as smart watches, bracelets or rings. The device must be compatible with the manufacturer's application (eg Fitbit, Garmin, Fidesmo, Swatch), through which the card is connected to the device. Also, it is necessary to have an active Raiffeisen card, as well as internet access for initial activation. After the card is verified, the device must be protected with a PIN or biometrics, thus ensuring the security of each transaction.

No, digital wallets do not require the PIN of a physical card to be entered when making contactless payments. Instead, security is provided through a PIN on a smart device, biometric authentication (e.g., fingerprint or face), or a security code that is set when the wallet is activated. The physical card is not used directly, as its number is replaced by a secure token that is used for transactions. 

Payment is simple – activate the digital wallet on your smart device, hold it up to a POS terminal that supports contactless payments, and wait for the transaction to be confirmed. No physical card or mobile phone required. 

Yes, there are. Digital wallets use the same limits as your physical card. This means that you can pay with your digital wallet as much as your card allows you to, in accordance with the limits set by your bank.  

Yes, digital wallets are an extremely safe and secure way to pay. 
Your payment card details are not shared with the merchant. Instead of real data, a so-called token is used - a unique digital identifier that is tied exclusively to your device. Thanks to this technology, real card details are never involved in the transaction, significantly reducing the risk of misuse or fraud. Additional security is provided by biometric authentication (Face ID, Touch ID) or a device code, which is required to confirm each transaction. 

In case of loss, theft, or misuse of a mobile device with an installed digital wallet, it is necessary to immediately and without delay call Raiffeisen Bank through the Contact Center at 081 92 92 92 or +387 33 755 010 (for calls from abroad) or visit the nearest Bank branch.

You can add cards issued by our bank that are supported by the digital wallet you use (Fitbit Pay, Garmin Pay, Fidesmo Pay, SwatchPAY!). Supported cards include debit and credit cards that enable contactless payments.

Digital wallets use advanced tokenization technology, meaning the actual card number is not shared with the merchant. Each transaction is further protected by a PIN, biometrics, or a security code. Devices are designed to safeguard your data even in the event of loss or theft.

No. Once you add and activate the card on the device, the phone is not required for the transaction itself. Payment is made directly through the smart device.

No. A Wi-Fi network or mobile connection is not required for payment. The device uses NFC technology to communicate with the payment terminal.