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Spardabank photo payment

Pay any invoice in seconds with the photo payment in your SpardaApp.

Your banking app can do photo payment!

Spardabank customers who use the SpardaApp benefit from a time-saving and precise transfer solution. The function is now available in the SpardaApp. Customers of Spardabank can thus pay the invoice amount with the banking app via smartphone photo, QR-pay recognition, or direct sharing of a digital invoice. The cumbersome typing of the corresponding information is no longer necessary.

What is the photo payment?

App reviews

Instructions

Photo payment

SpardaApp

The SpardaApp is available for free download for Android in the Google Play Store and iOS in the Apple App Store. Download the app, log in to your customer account and save time with the number 1 feature of all German banking apps: photo payment.

Android devices

Download the SpardaApp in the Google Play Store, which works on your Samsung, Xiaomi, LG, and other smartphones and tablets.

Apple devices

Download the SpardaApp in the App Store, suitable for your iPhone or iPad.

What is photo payment?

The smart way to pay paper invoices.

Paying a paper invoice without typing in the recipient’s data – the photo payment in the SpardaApp makes it possible. Regardless of whether invoices are available as a photo, scan, screenshot, or PDF: all information gets extracted to fill out the transfer mask fully automatically. That’s the magic of the Gini Pay photo payment.

Turns wire transfers into a piece of cake.

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App reviews

Excites everyone.

App Review Spardabank 14

Very practical especially the photo payment!

Sibylle Karg
Sparda-Bank
29/05/2022
Google Play Store

App Review Spardabank 13

Simple menu navigation, the photo payment function is great.

Marion Rautenberg
Sparda-Bank
10/04/2022
Google Play Store

App Review Spardabank 12

Transfers can be carried out securely in connection with the Sparda Secure app. The transfer by photo is very easy and comfortable. In addition, the handling is well explained and easy even for inexperienced users.

Elke Caspari
Sparda-Bank
18/04/2021
Google Play Store

App Review Spardabank 11

Especially the photo payment is very helpful

Peter Dörjes
Sparda-Bank
30/03/2021
Google Play Store

App Review Spardabank 10

Goes well, photo payment works well too

4Waverock
Sparda-Bank
29/03/2021
Google Play Store

App Review Spardabank 09

Very easy to understand and helpful functions (photo payment/QR code), saves a lot of time for the otherwise necessary typing.

Thomas Benner
Sparda-Bank
11/11/2020
Google Play Store

App Review Spardabank 08

Fantastic.. Now the photo payment works! That gives 5 stars. I’m completely satisfied with it.

Re De
Sparda-Bank
09/11/2020
Google Play Store

App Review Spardabank 07

I really like working with this app, especially transfers by photo

G SuBi
Sparda-Bank
14/05/2020
Google Play Store

App Review Spardabank 06

Easy to use and clear. I particularly like the possibility of making a bank transfer based on a photo of the invoice.

Gustav Stresemann
Sparda-Bank
21/04/2020
Google Play Store

App Review Spardabank 05

I’m very satisfied, works perfectly. Especially the photo payment is useful.

Tonja Borst
Sparda-Bank
03/03/2020
Google Play Store

App Review Spardabank 04

The photo payment works quite well and account balances and transactions can be checked quickly and easily

Silke Schütte
Sparda-Bank
27/01/2020
Google Play Store

App Review Spardabank 03

App offers a good overview of accounts, with the current version the photo payment works perfectly again – thank you very much!

Hecate666
Sparda-Bank
18/01/2020
App Store

App Review Spardabank 02

I like using the app, especially the photo payment is great. After an update it kept crashing on startup, but then I reinstalled it and now it’s working again.

tranquillity
Sparda-Bank
17/01/2020
App Store

App Review Spardabank 01

Great app, fast, clear with a good range of functions. What more do you want? Especially the QR barcode and photo payment are great. Keep it up!

R B
Sparda-Bank
28/07/2019
Google Play Store
Instruction on photo payment

Wiring made simple.

With the SpardaApp, you can easily snap paper invoices, as well as invoices with QR codes, or upload directly from your media library (PDF, JPG, PNG, or GIF). All you need is a mobile device with the banking app installed. For the photo payment, the camera should have more than 8 megapixels, as well as autofocus and flash.

How you make the photo payment

Open the SpardaApp on your phone.

Under “Transfer” select the “Photo transfer” function.

Put the invoice or the transfer slip on a plain surface like a table.

Hold your mobile device above the document or the QR code, and press the snap button.

Check and change the extracted data (IBAN, reason for transfer, etc.) in your banking app.

Confirm the transfer with your 2FA method – done!

Typical errors

The document is wrinkled.

The document is not properly adjusted to the frame shown on the camera screen.

Documents are lying on top of each other and cover relevant information.

The background is to bright.

There is not enough lighting to make a proper photo.

The transfer slip is not parted from the rest of the document.

Certificates

Footer list slide 1

10+ years on the market

Data center in Germany

Footer list slide 2

Implementation via SDK

ISO 27001 certified

Footer list slide 3

Real-time data extraction

Encrypted data transfer

Footer list mobile slide 1

10+ years on the market

Data center in Germany

Implementation via SDK

Footer list mobile slide 2

ISO 27001 certified

Real-time data extraction

Encrypted data transfer

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