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Pay friends back with Atoa

Atoa isn’t just for goods and services, you can also send and receive money to friends without any hassle.

Download the app and put an end to awkward “who had what?” conversations. Split the bill in a few taps, start group expenses, pay people back and request what you’re owed.

Download the app

If you’re the one always chasing, let Atoa lighten the load with guilt-free payment reminders.

Notification and Free payment

It’s fast, fair and secure. Your bank to their bank.

Fair and Secure

Pay businesses
with Atoa

When you see the ‘Atoa Accepted Here’ sign, just scan the QR code or tap the sign.
QR code
Choose your bank app to pay quickly and safely from your bank to theirs.
Pay quickly and safely
It’s the feel good way to pay
Way to pay

The more you use Atoa pay, the more cashback you’ll earn

We offer regular cashback rewards when you complete payment challenges or invite friends. It’s our way of saying thanks for choosing Atoa.
Regular cashback rewards


Atoa Pay is a peer-to-peer (P2P) payment app that allows you to send and receive money across any UK bank. Use Atoa Pay to send and receive money between friends without bank details—split bills easily without awkward nudges.

Atoa is becoming increasingly popular in the UK, with many beauty, hospitality and automotive businesses accepting it. Just look out for the Atoa signpost logo!

Yes, Atoa Pay is a secure payment method. It is regulated by the UK Financial Conduct Authority (under a license from Yapily) and uses open banking technology, which means your bank details are never shared with Atoa or the merchant. You also only approve payments within your own trusted bank app.

There are several benefits to using Atoa Pay. As a customer, you can enjoy instant bill splitting or payments without a debit card or sharing bank details. Payments come with bank-level security and are confirmed by your bank app’s own security steps. Paying a business with Atoa means they receive payments in seconds, rather than several days. They also save money on processing fees, so it’s a great way to support your favourite local businesses.