Siirto – Digital Cash

Siirto – Digital Cash replaces physical cash for everyday payments, letting you send money instantly from your phone whenever you need it. Built by Nordea Bank AB and trusted by almost a million users across Finland, this mobile payment app makes splitting costs, sending allowance, and paying at markets simple and secure.

Every transaction happens in seconds. Simply enter the recipient's mobile number, choose your amount, and swipe to transfer money directly from your bank account to theirs. No account numbers, no complicated steps—just straightforward peer-to-peer payments. The app works in English, Finnish, and Swedish, and children under 15 can use it with digitally signed parental approval, making it a tool for the whole family.

Request money back from friends with ease. When you cover a restaurant bill, buy joint gifts, or pay for movie tickets together, Siirto lets you request reimbursement from other users and track open requests at a glance. All your payment history with each contact is saved like chat messages, so you can instantly see who owes what and when payments were made.

QR code payments add flexibility for transactions with merchants or strangers. At a flea market, coffee stand, or small vendor, scan the merchant's QR code, confirm the amount, and complete the payment instantly. This removes friction in situations where you don't have the recipient's phone number on hand.

Security is built in from the start. All users undergo strong identity verification, ensuring every transaction is protected and traceable. Your money moves directly between bank accounts with the backing of a major Scandinavian financial institution.

Download Siirto – Digital Cash today and carry your money with you wherever you go.