Pay – Die Bezahl-App

Simply pay with the Volksbanken Raiffeisenbanken app

Fiducia & GAD IT AG · de.fiduciagad.android.vrwallet

5.0 out of 5 (1 rating) 1M+ downloads v26.3.0 74.8 MB Android 10+ PEGI 3 · Everyone

Download APK 74.8 MB All versions

Signature matches the Google Play version Details

Watch the Pay – Die Bezahl-App trailer on YouTube

At a glance

Latest version: v26.3.0 (260300021)
Updated: May 29, 2026 (4 months ago)
APK size: 74.8 MB
Requires: Android 10+ (API 29)
CPU support: ARM 32-bit, ARM 64-bit
Category: Finance (app)
Listed since: Apr 20, 2021 (at least)
Permissions: 23 (3 sensitive)
Website: vr-banking-app.de
Developer contact: [email protected]
Privacy: Developer's privacy policy

About this APK

Pay – Die Bezahl-App is an app by Fiducia & GAD IT AG in the Finance category, listed since at least April 2021. It includes native code for ARM 32-bit and ARM 64-bit, so it runs on practically every phone.

Since version 21.41.0, the APK grew from 63.6 MB to 74.8 MB and the minimum Android version rose from 6.0 to 10. It asks for 23 permissions, 3 of them sensitive: camera, read shared storage and display over other apps. It asks for the same permissions as version 26.2.0. The app can read the advertising ID that ad and analytics services use.

What's new in v26.3.0

Mit diesem Update wird die App eingestellt und alle Funktionen deaktiviert. Bitte wechseln Sie jetzt in Ihre Banking App, um weiter mobil bezahlen zu können.

Description

From the listing uploaded by “appupdater”.

The app at a glance: • Store your digital cards quickly and easily (digital girocard, Mastercard and Visa) • Pay mobile with your Android smartphone and the Pay app • Pay contactlessly and securely at any time in store or on the go • Keep an eye on all payments at all times • High security standards – just as secure as the physical cards Pay with the app Simply hold your smartphone against the terminal. Thanks to the app's unlocking function, you no longer need a PIN to pay. Use Volksbanken Raiffeisenbanken cards Order a new digital girocard in the app or reactivate it on another device. Simply store your Visa or Mastercard digitally in the app. Keep an eye on payments Always keep an eye on payments thanks to the overview in the app. High security standards The same security standards apply to paying with the app as to physical debit and credit cards. If necessary, cards can also be activated or deactivated for payment. Requirements • a payment account with a participating Volksbank Raiffeisenbank • a valid TAN procedure (Sm@rtTan, SecureGo plus) • active access to online banking • an NFC-enabled smartphone Usage notice To pay with the app, the smartphone's NFC function must be activated.

Version history

6 versions are listed, going back to v21.41.0. Since v25.5.0 it requires Android 10+.

v26.3.0 LATEST May 29, 2026 74.8 MB TRUSTED v26.2.0 Apr 21, 2026 74.8 MB TRUSTED v26.1.0 Jun 6, 2026 74.8 MB TRUSTED v25.5.0 May 13, 2026 74 MB TRUSTED v25.4.0 Jun 6, 2026 63.3 MB TRUSTED

All 6 versions

Security & authenticity

Security rating: Trusted

Signing certificate

Signature matches the Google Play version Checked by the source store on May 29, 2026.
Certificate issued to “Fiducia IT AG” This is the certificate of the Google Play version.
Same certificate as the 5 other versions checked

Store checks and file details

Developer signature verified May 29, 2026
Validated against Google Play May 29, 2026
Signed byCN=Unknown, OU=Unknown, O=Fiducia IT AG, L=Unknown, ST=Unknown, C=DE
Signing certificate (SHA-1)AD:DB:5E:D4:3A:27:66:0E:41:AC:B1:D3:9E:85:DD:D7:B9:C9:80:7C
File MD540426958ad2297409d6f836d5bf6d14e
Uploaded by “appupdater” Gold tier · 117,810 followers · uploading since 2020

Scans and ratings come from the source store; the certificate comparisons are AAPKs's own, made from the files' published signatures (5 other versions compared). AAPKs doesn't scan files itself — compare the MD5 and signer after downloading.

Permissions (23)

Pay – Die Bezahl-App requests 23 permissions, 3 of them sensitive.

Camera Sensitive android.permission.CAMERA
Display over other apps Sensitive android.permission.SYSTEM_ALERT_WINDOW
Read shared storage Sensitive android.permission.READ_EXTERNAL_STORAGE
Access adservices ad id android.permission.ACCESS_ADSERVICES_AD_ID
Access adservices attribution android.permission.ACCESS_ADSERVICES_ATTRIBUTION
Advertising ID com.google.android.gms.permission.AD_ID
Control vibration android.permission.VIBRATE
Foreground service connected device android.permission.FOREGROUND_SERVICE_CONNECTED_DEVICE
Full network access android.permission.INTERNET
Google Play install referrer com.google.android.finsky.permission.BIND_GET_INSTALL_REFERRER_SERVICE
Internal broadcast protection (app-defined) de.fiduciagad.android.vrwallet.DYNAMIC_RECEIVER_NOT_EXPORTED_PERMISSION
Nfc android.permission.NFC
Prevent the device from sleeping android.permission.WAKE_LOCK
Receive push notifications com.google.android.c2dm.permission.RECEIVE
Run at startup android.permission.RECEIVE_BOOT_COMPLETED
Run foreground services android.permission.FOREGROUND_SERVICE
Show notifications android.permission.POST_NOTIFICATIONS
Use biometric hardware android.permission.USE_BIOMETRIC
Use fingerprint hardware android.permission.USE_FINGERPRINT
View Wi-Fi connections android.permission.ACCESS_WIFI_STATE
View network connections android.permission.ACCESS_NETWORK_STATE
Vr read (custom) de.fiducia.smartphone.android.securego.vr.permission.READ
Vr write (custom) de.fiducia.smartphone.android.securego.vr.permission.WRITE

Required hardware & features

Camera android.hardware.camera
Basic touch input android.hardware.faketouch
Nfc hce android.hardware.nfc.hce
Portrait screen android.hardware.screen.portrait
Wi-Fi android.hardware.wifi

Pay – Die Bezahl-App APK: questions and answers

Is there a version of Pay – Die Bezahl-App for older Android phones?

The current version needs Android 10 or later. Version 25.4.0 is the newest listed build that installs on Android 8.0 and later. Get version 25.4.0 · All versions

Can I install this APK over the version I already have?

Yes, if your installed copy is older. It is signed like the Google Play version, so Android installs it as an update and keeps your data.

Is the Pay – Die Bezahl-App APK safe?

No one can promise that a file is safe, but some things can be checked. The source store rates this file Trusted. Its signature matches the Google Play version. It is signed with the same certificate as the 5 other versions checked. After downloading, check that the file's MD5 is 40426958ad2297409d6f836d5bf6d14e.