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Payments Apps in United Kingdom

Mobile payments and digital wallets, curated for travelers visiting United Kingdom.

2 apps1 essential

What to know about Payments in United Kingdom

The UK is close to cashless: contactless cards and phones are accepted virtually everywhere, including London buses and the Tube, where tapping the same card all day earns capped fares. The mandatory 100 pound contactless card limit was scrapped in March 2026, though most banks still apply it, and Apple Pay and Google Pay have no cap at all. Cash survives mainly at markets, barbers and some takeaways, so a fee-free travel card is the only real essential.

Best Payments apps in United Kingdom (2026)

Revolut app icon

RevolutEssential

The London fintech on home turf: a fee-free pound card you tap on the Tube, in pubs and everywhere else in a country where cash has nearly disappeared.

Pro tip: Tap the same card or phone for every Tube and bus journey in London so daily fare capping works, and never mix devices. In shops, prefer your phone wallet: most banks still cap physical card taps at 100 pounds.

App StorePlay Store
Wise app icon

Wise

Convert to pounds at the mid-market rate and tap like a local debit card, useful in the UK where almost nothing needs cash but foreign card fees add up fast.

Pro tip: You will rarely need a UK cash machine, but if a shop terminal or ATM offers to charge you in your home currency, always decline and choose pounds. That dynamic conversion is consistently the worst rate on offer.

App StorePlay StoreWebsite↗

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Frequently asked questions

What is the best payments app in United Kingdom?

Revolut is the top-rated payments app in United Kingdom. The London fintech on home turf: a fee-free pound card you tap on the Tube, in pubs and everywhere else in a country where cash has nearly disappeared.

How many payments apps are there in United Kingdom?

There are 2 payments apps available in United Kingdom as of 2026.

← See all apps for United Kingdom

Other categories in United Kingdom

Ride HailingFood DeliveryMessagingNavigationTransit

Compare Payments apps in United Kingdom

Revolut vs Wise
How to Pay in United Kingdom→

Last updated: July 2026

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