Frequently Asked Questions


boon. is a payment app which allows you to make payments using your iPhone, iPad or Apple Watch. If you would like to make a payment using boon. on your iPhone while on the go, simply add your boon. prepaid credit card to Apple Wallet, hold your iPhone over the terminal display and place your finger on the Touch ID sensor. On your Apple Watch, simply double tap to make a payment. You can also use boon. for online shopping and in-app payments. Once you activate the boon. Card in your app, a credit card number incl. CVC and expiry date will be displayed, which you can use for online shopping. The amount charged will be deducted from your boon. balance.

  • Secure, easy, smart payments via iPhone, iPad or Apple Watch
  • Overview of all transactions
  • Retailer does not see your bank or credit card details
  • boon. can be used immediately after you download the app
  • Top up by credit card and your balance is available immediately on your boon. account
  • boon. can be used with all mobile phone providers

You can find an overview of the costs, maximum balance and top-up limits for the UK here.

You can find an overview of the costs, maximum balance and top-up limits for France, Ireland, Italy and Spain here.

You can find an overview of the costs, maximum balance and top-up limits for Switzerland here.

The boon. app is available from the App Store for all Apple phones running iOS 10.3 (or later). It is also available for iPad Pro, iPad (5th generation), iPad Air 2, iPad mini 4 and iPad mini 3 running iOS 10.3 (or later).
You can also add your boon. Card to your Apple Watch (operating system version 2 or later).

You can use boon. with Apple Pay to make payments at any contactless terminal that accepts Mastercard. You can also use your boon. Card for online and in-app payments.
Please note that boon. iOS France and Spain customers need to upgrade to boon. PLUS to pay with boon. outside domestic territories.

You can recognise a contactless terminal from the NFC symbol 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 logo displayed at the entrance or an Apple Pay logo.

Yes, you can use boon. and Apple Pay at any contactless terminal worldwide that accepts MasterCard.

Please note that boon. France and Spain customers need to upgrade to boon. PLUS to pay with boon. outside domestic territories.

Select ‘Add to Apple Wallet’ to add your virtual boon. prepaid credit card and follow the instructions in the app.

In order to use boon. with Fitbit Pay, download the Fitbit app on your smartphone. Open the app and navigate to the settings of your respective 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 ‘Online payments’ 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.

In order to use boon. with Garmin Pay™, download the Garmin Connect app on your smartphone. Open the app and navigate to the respective page of your Garmin device 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 ‘Online payments’ in your boon. app. After the card is added to your Garmin wallet, you can select the card on your watch when you make a payment.
You can use your vívoactive® 3 or Forerunner® 645 watches from Garmin to pay with boon. in the UK, Ireland, Italy, Spain, France and Switzerland.


You can contact the boon. service team via email or telephone.
To ensure that we are speaking with the boon. account owner, our service team will ask you for your first and last name, your mobile number and the answer to your security question.


Yes, the minimum age is 18.

To register, you just need to enter your telephone number, a password of your choice, a PIN, your first and last name, and a security question.

For security and legal reasons, you can only top up your boon. account if you have entered valid personal information.

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


Two online documents / monthly statements from two different providers that you may have received via email. Screenshots cannot be accepted as proof, nor can documents older than 3 months.

Please choose from the following documents:

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

Documents that can be up to 12 months old:

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

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)
  • Driving licence (must have an expiry date)

It may take up to 48 business hours to verify your documents and upgrade. You will receive a push notification when your account is upgraded to boon. PLUS.

This depends on the retailer. Some retailers only allow payments of up to £30 using a boon. prepaid credit card, but other retailers also accept larger payments.

My Account

In the Login area, choose ‘Forgot 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 via SMS which you can use to log in on a single-use basis. You can then set a new password.

To change your password, open the ‘My profile’ menu item (top left), then select ‘Settings’ and ‘Change password’.

To change your PIN or set a new PIN, go to ‘My profile’ (top left), then select ‘Settings’ and ‘Change PIN’. Enter your password or use your Touch ID for unlocking the screen. Now set a new PIN.

You can open your transaction history using a button in the top right of the boon. app. You can filter for specific periods of time. You can also send transaction details by email or SMS.

You can top up your boon. account via

  • credit card, Faster Payments and Pay By Bank app (for the UK)
  • credit card or and Wiretransfer (for France, Ireland, Italy and Spain)
  • credit card (for Switzerland)

Please note that it is not possible to top up using a prepaid card.

The advantage of using a credit card is that the funds will be available immediately, whereas in the case of Faster Payments, it can take up to two hours for the funds to be available. For Wiretransfer it can take up to two working days. To top up your boon. account by credit card, you need to enter your details manually or scan your card. If you have not yet registered your card for 3D Secure, we recommend doing this in advance via your bank’s website. For security reasons, you can only use credit cards that support 3D Secure to top up your boon. account.

Yes, if you are a boon. PLUS user, you can send money to and receive money from other boon. PLUS users. To use this feature, just tap ‘+’ on the home screen and then ‘Send money’. You can then select a recipient by choosing their email address or mobile number.

You will find the limits for sending and receiving money on our fees and limits page.

Please note that you need to be a boon. PLUS user to receive Faster Payment transactions from third parties. This is a requirement of our partner MasterCard. As a boon. BASIC user the recipient name must be the same as the name of the boon. account user. Third Party Services like Currency Cloud and Transferwise are not supported.

3D Secure is a security standard used for credit card transactions. This authentication procedure ensures that the legal card holder 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 see an entry page belonging to their bank during the top up process, in which they will need to enter their password. The payment is only processed if they enter the correct password, which is known exclusively by the credit card holder and their bank.

Yes, but as soon as you register a credit card, you can also set up automatic top ups. Once you have done this, boon. will be topped up to a specified amount as soon as your balance falls below a specified threshold.

Open the boon. app and check your current balance. If you are still experiencing problems making a payment, please contact our service team.

If your boon. Card has been locked for Transport for London, you can unlock it as follows:
Log in at (or sign up if necessary) to add your credit card details.

You can find an overview of the costs, maximum balance and top-up limits for the UK here.

You can find an overview of the costs, maximum balance and top-up limits for France, Ireland, Italy and Spain here.

You can find an overview of the costs, maximum balance and top-up limits for Switzerland here.

With boon., changing your iPhone or iPad is not an issue, as identification is carried out based on your mobile number. Once you have installed boon. on your new iPhone or iPad (iOS 10.3 or later), you can log in with your existing login details. You can then add your virtual boon. prepaid card to Apple Wallet.

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

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.

  • You can close your boon. account in writing at any time via email or post. Contact our service team to do so. In order to close your account, please provide the following information:

    • Your account number (you will find this in the boon. app under ‘Manual top up’, ‘top up by Faster Payments’)
    • The answer to your security question
    • Your mobile phone number

    Once an account has been closed, it cannot be reopened.

It can take several minutes for promotional offers (e.g. a cashback) to appear in the app.


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. prepaid credit card, on top of which you also have to press the Touch ID fingerprint sensor every time you pay with your iPhone or iPad.

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

PIN and Touch ID provide the first line of defence, however if you lose your device or if it is stolen, you should contact the service team emergency hotline (00800 94 73 22 70) as soon as possible to disable your boon. account. You can use the Find My iPhone feature to disable Apple Pay via Lost Mode.

You can read our data privacy statement here.


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