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FAQ boon.

General

boon. is your payment app for smartphones and smartwatches.

How do you make payments with boon.? Simply add your boon.Card to your smartphone wallet, unlock your phone, and hold it against the terminal. It’s as simple as that.

Oh, and boon. also works for online and in-app payments, of course.

You can make payments at any contactless terminal that accepts Mastercard. Your card details also work for online and in-app payments, of course.

If you are already verified for boon.PLUS you can also use boon. abroad and on foreign websites. Don't have boon.PLUS yet? Verify yourself quickly and free of charge in your boon.App.

boon. offers a wide range of benefits:

  • Quick, convenient payments via smartphone or smartwatch
  • An overview of all transactions
  • Security – merchants cannot see your bank- or credit-card details
  • Quick, convenient and direct top-ups of your boon. account by credit card – your credit is available immediately
  • No hidden costs

boon. works on all iPhones running iOS 11 (or later). You need the latest version of iOS for Apple Pay.

boon. is available in the Google Play Store for Android devices running Lollipop 5.0 or later.

Oh, and you can of course link your boon.Card to lots of smartwatches.

The app is available in the App Store and the Google Play Store in Germany, Austria, France, the United Kingdom, Ireland, Italy, Switzerland, Spain and Slovakia.

You can recognise a contactless terminal from the NFC symbol displayed on it.

The symbol may be on the top, on the side or depicted as a small image on the display, depending on the terminal. Some shops may also have a PayPass or Apple Pay logo displayed at the entrance.

In the boon. Card menu, you'll find an option ‘Add to Apple Wallet’ or ‘Add to Google Pay’, depending on your operating system. Please tap there and follow further instructions to add your boon. Card to your device. Once your card has been successfully added you can select it as a preferred payment card.

To make contactless payments with an iOS device simply add your boon. Card to Apple Wallet, hold your iPhone over the terminal display and place your finger on the Touch ID sensor or double-click the side button, if you have Face ID enabled. On Apple Watch, double-click the side button and hold the watch up to the reader.

With an Android device simply unlock your smartphone and hold close to the contactless terminal – done! You will receive a push notification for the successful payment. For payments below 25€ it is even sufficient to simply wake your phone up and hold it close to the contactless terminal.

To pay online, just use your boon. Card details in the app during the normal checkout process.

The boon. Card is a credit card including CVC code and expiry date, which you can use as normal during checkout while shopping online. The amount charged is deducted from your boon. balance. You can find your card details in the boon. Card menu.

boon. is free of charge for you. There are no additional or hidden fees.

boon. can be used without an active Internet connection.

Would you like a "real" boon.Card in addition to your virtual one? Then simply switch to our new product boon.PLANET*!
boon.PLANET can do everything boon. does – and much more!
Make payments quickly and conveniently using your virtual boon.Card. Enjoy the benefits of a real bank account, and carry out bank transfers and standing orders. You can also optionally get the plastic boon.Card to make payments without your smartphone and withdraw cash worldwide. And, of course, boon.PLANET has also no monthly fees.


*boon.PLANET is currently available in Germany.

Let us know how we can make boon. even better. Simply send us an email at yourfeedback@beboon.com. As an Android user, you can also use the ‘Feedback’ option in the ‘Account’ menu to automatically create a relevant email template.

With boon., you can send annoying fees packing – forever. Because boon. can be used worldwide without any foreign transaction fee or other surcharges on the exchange rate.

We use the average exchange rate by MasterCard, which is calculated on a daily basis.

Please remember that you need boon.PLUS to pay abroad. Don't have boon.PLUS yet? Verify yourself quickly and free of charge in your boon.App.

It is not possible to withdraw money from cash machines using boon.

Google Pay is the fast, simple way to pay in millions of places – online, in stores, and more. It brings together everything you need at checkout and keeps your payment info safe in your Google account until you are ready to pay.

boon. with Google Pay is available in Ireland, the UK, Germany, France, Italy and Spain for all smartphones with Android Lollipop 5.0 or higher.

Google Pay is pre-installed on selected devices. If your device does not have the app, simply download it from the Google Play Store. Google Pay requires that you sign in to your Google account before registering a credit or debit card.

Link your boon.Card to the smartwatch of your choice:
  • Apple Watches running watchOS 2 or later
  • Watches with Android Wear and NFC functionality
  • Fitbit (Ionic, Versa)
  • Garmin (vívoactive® 3, Forerunner® 645, fēnix® 5)
  • wena pay (wena wrist pro, wena wrist active)
  • SwatchPAY! (Blackback Pay!, Pastel Pay!, Chic Pay!, Magic Pay!)

In order to use boon. with Fitbit Pay, download the Fitbit app. Open the app on your Fitbit watch (Ionic or Versa). Tap ‘Wallet’ and follow the instructions to add your virtual boon. Card. Enter the card details which can be found under ‘boon. Card’ in your boon. app. Once your boon. Card is added successfully to the Fitbit Wallet, you can use boon. to make payments with Fitbit Pay.

Fitbit is available for boon. in Ireland, the UK, Germany, France, Italy, Spain and Switzerland.

boon. with Garmin Pay™ works simply by downloading the Garmin Connect app. Open the app and pair it using Bluetooth. Then select Garmin Pay™ and follow the on-screen instructions to enter the card information which can be found under ‘boon. Card’ in your boon. app. Now you can select the card on your watch when you make a payment.

You can use your vívoactive® 3, Forerunner® 645 or fēnix® 5 smartwatch from Garmin to pay with boon. in Ireland, the UK, Germany, France, Italy, Spain and Switzerland.

A SwatchPAY! Watch is a Swatch you can pay with! The watch uses a virtual card, linked to a real payment card.

To link your payment card to your SwatchPAY! Watch you need to go to one of the selected Swatch stores and use an available SwatchPAY! Box. Visit www.swatch.com to find out more about the selected stores.

In order to use boon. with wena by Sony, download the wena app to your phone and connect the app to your wena wrist pro or wena wrist active. Open 'wena pay' from the wena app menu and create an account. Afterwards, push 'ADD CARD' and follow the instructions to add your virtual boon. Card. Enter the card details which can be found in the [boon. Card] menu. Once your boon. Card is added successfully to your wena app, you can use boon. to make payments with Sony wena.

To make payments simply push the power key three times until the card icon is displayed. Payment is activated after 2 seconds from here and for 60 seconds with a visible countdown.

Android smartwatches can be used if they support NFC transactions, use the Wear OS operating system and have Google Pay installed.

After setting up boon. on your smartphone, you need to add your boon. Card to the Google Pay wallet of your smartwatch. Screen lock must be enabled on your smartwatch for security purposes.

For performing payments, activate Google Pay on your smartwatch and simply hold it on the contactless payment terminal and wait until the terminal confirms the payment. For the moment, it is available in Ireland, the UK, Germany, France, Italy and Spain.

As neither Apple nor Google Store allow you to use an older app version, it is not possible to switch back once you have carried out the update.

If you have any feedback (for example regarding the new design), please feel free to write to us at yourfeedback@beboon.com.

‘Boon’ means ‘benefit’ and reflects what boon. is meant for: being a benefit for your daily life in all payment activities.

Would you like to be able to withdraw money from ATMs? Then simply switch to our new product boon.PLANET*!
boon.PLANET can do everything boon. does – and much more!
Make payments quickly and conveniently using your virtual boon.Card. Enjoy the benefits of a real bank account, and carry out bank transfers and standing orders. You can also optionally get the plastic boon.Card to make payments without your smartphone and withdraw cash worldwide. And, of course, boon.PLANET has also no monthly fees.


*boon.PLANET is currently available in Germany.

Registration

You can upgrade to boon. PLUS for free via the app or by sending an email to the service team. To upgrade, you need to submit documents for your address and identity verification.

Address verification:
You can submit:
One colour scanned or photographed copy of the original documents
OR
Two online documents / monthly statements from two different providers that you may have received via email. Screenshots cannot be accepted as proof.

Please choose from the following documents:

  • Identity card (front and back of the card; it should have your address on it)
  • Residence permit

Documents that can be up to 12 months old:

  • Tax assessment from the tax office
  • Application for local taxes (Spain only)

Documents that can be up to 3 months old:

  • Bill (e.g. electricity, landline, water) or letter from your utility provider; mobile phone bills are not accepted.
  • Bank or credit card statement
  • Judicial order (e.g. execution of a will, letter from an insolvency administrator)
  • Proof of official benefits (e.g. housing allowance, tax credit, pension payment)
  • Registration certificate

Identity verification:

  • Please provide us with a colour scanned or photographed copy of one of the documents listed below (all four corners of the document must be visible):
  • Passport
  • Identity card (cannot be used to verify identity if being used to verify address)
  • Residence permit (cannot be used to verify identity if being used to verify address)
  • Driving licence

It may take up to two business days to verify your documents and upgrade. You will receive a push notification when your account is upgraded to boon. PLUS.

boon. automatically selects the language setting for your device. After you change the language for your device, the language setting for boon. will change automatically the next time you log in.
boon. supports German and English#money,French, Italian and Spanish.

To upgrade, you need to submit documents to verify your address and identity. We are only allowed to accept very specific documents and strict rules apply (e.g. must be colored, all corners visible, ...).

If we are unable to verify your address and identity, we must decline your request but will notify you by email as to why we couldn't accept it.

Only one account per customer is allowed at the same time. If you open multiple accounts, we will ask you to choose one and close the rest for you.

For security and legal reasons the boon. app will ask you to enter your mobile number and some personal details such as your name, date of birth, home address and email address.

The minimum age for using boon. is 18.

My Account

You cannot make a payment if you have an insufficient balance in your account.


The amount of money you can spend per transaction depends on your available balance and limits. You can find all the information on our Fees and limits page.

At the moment there is no overdraft supported. You can only pay with boon. if your balance is higher than the transaction amount.

For a complete overview of top-up methods, costs, maximum balance and limits for top-ups or payments, please visit our page "Conditions" from the menu above for your selected country.

You can top-up your boon.Account whenever you like via a 3D Secure-compatible Mastercard or Visa credit or debit card. You cannot use prepaid cards to top-up boon.

You can also top-up boon. by bank transfer in most countries. It then takes 1-2 banking days for it to arrive on your boon.Account. We also send you a push notification once the money is available in your boon.Account.
You can find all the information about topping up, fees, maximum balance and top-up limits under Fees and limits.

You can add your credit card directly in the top up by credit card or auto top up menu.

If it is your first card, you will see the 'Add credit card' option at the very top, which will then guide you through the process.

If you've already added a card, you will see a small arrow to the right of your card, which allows you to either add another card ('Add'), or remove any added cards ('Edit').

With the auto top-up feature you can make sure that you never run out of credit. Simply set a certain threshold and a top-up amount; every time your balance falls below this threshold your balance will be automatically topped up with the amount you chose.

You can find the ‘Auto top-up’ feature by tapping the highlighted central button on the tab bar.

If you're registered to a country within the Euro zone, your account number (IBAN) is under top-up methods in the 'Bank transfer' menu. There you can also see your remaining limit. Top-ups by bank transfer are usually credited within 2 working days.

Transfers through IBAN are not available if you're registered to the British card programme. For boon. PLUS users, we also offer the option of Faster Payments, which will be visible under top-up methods in the 'Bank transfer' menu, where you will see your account number and sort code. It will also show you your remaining limit for the day. Top-ups by Faster Payments are usually credited within 2 hours.

Bank transfers are not supported for Swiss customers and therefore there is neither a account number nor IBAN visible within the App.

As a boon. BASIC customer, you can only receive transfers from accounts in your name. As a boon. PLUS customer, you can also receive transfers from third-party accounts.

Third-party services like Currency Cloud and Transferwise are not supported.

For a complete overview of top-up methods, costs, maximum balance and top-up limits, please visit our page "Conditions" from the menu above for your selected country.

We are legally obliged to ensure the set limits are adhered to. Therefore any transfer by a third party to a boon. BASIC account, or any transfer which exceeds your limit, will be blocked on our side.

If such an amount has been transferred to your account, then our service team will contact you by email and either assist you with a free upgrade to boon. PLUS and finalize your transfer. If no upgrade happens we will return your funds to the sender account within a few days.

For a complete overview of top-up methods, costs, maximum balance and top-up limits, please visit our page "Conditions" from the menu above for your selected country.

boon. PLUS users can send money to and receive money from other boon. PLUS users. To use this feature, just tap the middle blue button on the home screen and then ‘Send money’. You can then select a recipient by choosing their mobile number.

Please understand that due to legal constraints this feature is not available for Swiss customers.

For a complete overview of sending and receiving limits, costs, maximum balance and top-up limits, please see page for Fees & Limits.

boon.PLUS users now have the option to personalize money transfers to other boon.PLUS users by sending eGifts! You can optionally wrap direct money transfers in different virtual envelopes and attach a personal text or voice message, if desired. We add new envelope designs on an ongoing basis, especially for upcoming events.
The feature is unfortunately not available for Swiss users.

Do you want to send money to other boon.users? First, synchronise your contacts list. boon provides this option when the relevant menu is opened for the first time. You can repeat this at any time by dragging down the contacts list at the top.
In any case, the app needs the permission to access your contacts list. You may be directed to your device settings to do this.

You can find the ‘Receive money’ option under Privacy in the ‘Account’ menu. If you deactivate this, you will no longer appear as a boon.user to others.
Exception: If you send money to another user, this person will see your name and mobile number.

boon.PLANET can do everything boon. does – and much more!
Make payments quickly and conveniently using your virtual boon.Card. Enjoy the benefits of a real bank account, and carry out bank transfers and standing orders. You can also optionally get the plastic boon.Card to make payments without your smartphone and withdraw cash worldwide. And, of course, boon.PLANET has also no monthly fees.

boon.PLANET ist currently available only in Germany.

boon. and boon.PLANET are separate products and independent of each other. You can register for both individually and, if you wish, use both products simultaneously.

Once you both products and you have verified yourself for boon.PLUS, you can easily move your balance between your two accounts in real time using the function 'Send money'.

f you no longer wish to use either of them, please cancel it in the respective app in the 'Account' menu using the 'Cancel account' function.

boon.PLANET ist currently available only in Germany.

Interested in switching to boon.PLANET? Download it now from the Play Store. As it is a standalone product, please register there for an account as well.

Would you like to transfer your balance as well, just use ‘Send money‘ as a user of boon.PLUS; otherwise please contact your boon.Service team.

boon.PLANET ist currently available only in Germany.

Transfers to bank accounts or to third-party services are not supported. If you require your balance to be returned to one of your bank accounts, our service team is happy to help.

Don’t panic! Open the app and check that you have a sufficient balance. Also check that your boon.Card is set as your preferred payment option in your wallet.

Please remember that you need boon.PLUS to pay abroad.

Still not working? Our boon.service team will be happy to assist you further.

Reserved amounts are amounts that have been ‘set aside’ by the retailer, but have not yet been deducted. You won’t usually see these amounts, but sometimes it can take a long time for a transaction to be completed.

boon. is not tied to any particular smartphone. Identification takes place using your phone number, so changing your mobile phone is not a problem. As soon as you have installed boon. on a new smartphone, you can log in with your existing login details. Minimum system requirements still apply.

If you are changing your operating system between iOS and Android, please contact our service team.

If you change your mobile number, you can easily change your username (which for boon. is your mobile number) by contacting our service team.

You will see your latest transactions directly in the overview and can access more by scrolling up. By tapping on individual entries you can also see the transaction details.

For your monthly statements, please open the Settings menu and go to 'Statements'.

In the login area, choose ‘Forgot your password?’. To reset your password, you need to answer the security question that you chose when you registered. You will then receive a new password by text message which you can use to log in once. You can then set a new password.

You can update your address and email anytime within the app under 'Personal details'.

To change your name, date of birth, country or phone number, please contact our service team.

It's only possible to change the country if the currency remains the same. Otherwise, you have to delete your account and register again.

To change your password, select 'Account' and 'Login & security'.

For security reasons the PIN is not saved within the app. To change your card PIN go to the boon. Card menu and select ‘Change boon. Card PIN’. With an active internet connection the PIN will be available immediately.

You can activate or deactivate your boon. Card for online payments anytime. Android users find it within 'Account' under 'Online Limits', iOS users in the boon. Card menu.

If you encounter any problems using your boon. Card for online payments, always confirm that it has been set to 'Active'.

The answer to your security question is not stored in the app. This is more secure. If you forget it, you should simply set a new question and answer. Go to Login and security in the ‘Account’ menu.

If you can’t get into your account, please contact the boon.service team. They will be happy to assist you further.

Have you not verified yourself for boon. PLUS yet? Then please send us a copy of your ID by email.

Have you lost your phone or has it been stolen? Then you should lock your account as soon as possible

The international emergency hotline to lock your account or your card is: 00800 9473 2270.

Hint: Apple and Google both offer the possibility to remotely lock your phone and remove your boon.Card from your respective wallet. For more information please check their respective internet pages.

When you register, a prepaid account is set up in the background. Therefore, money is not stored on your device as is the case with chip cards or cash cards.

You can use your boon. Card for Transport for London as you can use it at any contactless payment terminal.

If your boon. Card has been locked for Transport for London, you can unlock it by logging in at https://contactless.tfl.gov.uk/ (or sign up if necessary) and adding your credit card details.

Paying with boon. should not only be fast and practical, it should also be fun! We therefore work continuously to come up with new, fun promotions that reward you for using boon. (e.g. cashback).

We hope to bring you regular promotions in the future to give you some incentive for using boon. on a regular basis. You can find current promotions within the app under ‘Promotions’.

If you fulfil all the criteria for a promotion, we will immediately credit your bonus (e.g. cashbacks) to the boon.Account. This can sometimes take a few days, as bonuses also count towards your limits.

If you have reached your limit in a particular month, we will credit the bonus to you at the start of the following month.

Do you have any questions? Then please contact the boon.service team.

You no longer wish to use the app? What a pity! Please bear in mind that your account is not automatically deleted if you uninstall the app.
You can find the ‘Delete account’ option at the bottom in the 'Account’ menu. If you still have a remaining balance, you can specify an account there to which you would like us to transfer this

If you are unable to use this option, please write a short, informal message to the service team with the following information:
  • Your mobile phone number
  • The answer to your security question
  • If you have a remaining balance and would like this to be settled, the IBAN of the bank account to which you would like us to transfer your balance
Handling your cancellation request may take a few days. We will let you know as soon as everything is done.

Data Protection and Security

Payments are very secure. The retailer does not see your bank details or the credit card details that you have used to top up your boon. account. This also applies to the details associated with your boon. Card.

iOS security feature:
If you use an iPhone you have to press the Touch ID fingerprint sensor, or verify yourself by Face ID, every time you pay.

Google Pay security feature:
Google Pay protects your payment info with multiple layers of security, using one of the world’s most advanced security infrastructures to help keep your information safe.

You can also log in to the app using your fingerprint. You can set this up under Login and security in the ‘Account’ menu.

iOS users with newer devices can also use Face ID.

As Android does not yet officially support face recognition, it does not yet work for boon.

Sometimes transactions can appear in your transaction history a few days later, as well as some merchants bill under cryptic names.

If you are unsure of a payment and want to challenge it, please contact our service team; they can help you to secure your account and inform you about the necessary steps to challenge a payment.

Your data privacy is our utmost responsibility, and we adhere to very strict protocols to keep your information safe and encrypted at all times.

We use your data responsibly in order to solve queries and other issues related to your account as well as to organise upgrades. We also use some of your information, such as your email address, to send information about legal matters and any fee-related changes. For more details, please read our data privacy policy.

If you have several devices, you can log in to your account on all of them at the same time and be active. You can also store your boon.Card on more devices simultaneously and use it for payments.

Check out the menu of your boon.Card to see where your boon.Card is linked to. Is there a device on which you don't want to use the boon.Card anymore? You can simply delete it from the device by clicking on the trash can icon next to it, no matter where the device is currently located.

Oops! Something has gone wrong! We have most likely locked your account or card for security reasons. Please contact the boon.service team.

Or did you enter an incorrect password too many times? In this case, you can unlock your account yourself by selecting the ‘Forgot your password?’ option in the login area.

Technology

3D Secure is a security standard used for credit card transactions. This authentication procedure ensures that the legal cardholder and the legal retailer are the participants in a transaction. It is an effective means of reducing the risk of fraud. If a credit card holder has registered with the 3D Secure process via one of the registration methods, they will be forwarded to their bank during the top-up process, where they need to confirm the payment before it can proceed.

NFC stands for ‘near field communication’ and is an international standard used to exchange data between two devices without a direct cable connection.